{"method": "CFPB HMDA 2025; FHA loan_type=2; decisioned = action_taken 1,2,3; denial = action 3. REVERSE MORTGAGE (HECM) RECORDS EXCLUDED following independent methodology review. Purchased loans (action 6), withdrawals (4), incomplete closures (5) and preapproval track (7,8) excluded. Standardization cells: state x amount x income x DTI x CLTV; cells with n<25 fall back to national rate. Names per Census/OMB July 2023 delineation.", "msa_count": 319, "rows": [{"msa": "26420", "name": "Houston-The Woodlands-Sugar Land, TX", "apps": 33798, "denials": 5985, "denial_rate_pct": 17.7, "small_denial_pct": 38.9, "big_denial_pct": 17.0, "penalty": 2.29, "top_lenders": [{"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 3416, "denial_rate_pct": 24.3}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 3244, "denial_rate_pct": 20.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 3007, "denial_rate_pct": 17.2}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 1297, "denial_rate_pct": 25.5}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 926, "denial_rate_pct": 16.5}]}, {"msa": "12054", "name": "Atlanta-Sandy Springs-Roswell, GA", "apps": 30568, "denials": 8351, "denial_rate_pct": 27.3, "small_denial_pct": 55.4, "big_denial_pct": 23.4, "penalty": 2.37, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 2768, "denial_rate_pct": 25.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 2451, "denial_rate_pct": 33.1}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 1331, "denial_rate_pct": 21.5}, {"lei": "549300ALNLUNS3Y53T24", "name": "AMERICAN FINANCING CORPORATION", "apps": 1150, "denial_rate_pct": 76.7}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 1082, "denial_rate_pct": 35.9}]}, {"msa": "38060", "name": "Phoenix-Mesa-Scottsdale, AZ", "apps": 27102, "denials": 4922, "denial_rate_pct": 18.2, "small_denial_pct": 55.5, "big_denial_pct": 16.4, "penalty": 3.38, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 3778, "denial_rate_pct": 18.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 1511, "denial_rate_pct": 27.7}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 1471, "denial_rate_pct": 18.0}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 1073, "denial_rate_pct": 17.9}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 1011, "denial_rate_pct": 13.6}]}, {"msa": "19124", "name": "Dallas-Plano-Irving, TX", "apps": 22533, "denials": 3861, "denial_rate_pct": 17.1, "small_denial_pct": 46.7, "big_denial_pct": 15.7, "penalty": 2.97, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 3503, "denial_rate_pct": 16.6}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 2418, "denial_rate_pct": 27.2}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1557, "denial_rate_pct": 20.9}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 802, "denial_rate_pct": 27.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 644, "denial_rate_pct": 24.8}]}, {"msa": "40140", "name": "Riverside-San Bernardino-Ontario, CA", "apps": 20759, "denials": 4424, "denial_rate_pct": 21.3, "small_denial_pct": 52.4, "big_denial_pct": 20.1, "penalty": 2.61, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 3567, "denial_rate_pct": 22.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 1384, "denial_rate_pct": 31.2}, {"lei": "549300J7I82PNDVU8H22", "name": "OCMBC, INC.", "apps": 1183, "denial_rate_pct": 3.1}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 724, "denial_rate_pct": 21.5}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 701, "denial_rate_pct": 16.4}]}, {"msa": "16984", "name": "Chicago-Naperville-Evanston, IL", "apps": 17591, "denials": 5275, "denial_rate_pct": 30.0, "small_denial_pct": 50.9, "big_denial_pct": 25.2, "penalty": 2.02, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1785, "denial_rate_pct": 26.0}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 1412, "denial_rate_pct": 35.2}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 1191, "denial_rate_pct": 25.0}, {"lei": "549300U3721PJGQZYY68", "name": "GUARANTEED RATE, INC.", "apps": 954, "denial_rate_pct": 13.8}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 692, "denial_rate_pct": 9.0}]}, {"msa": "45294", "name": "Tampa, FL", "apps": 15624, "denials": 3389, "denial_rate_pct": 21.7, "small_denial_pct": 51.3, "big_denial_pct": 19.2, "penalty": 2.67, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 2121, "denial_rate_pct": 21.5}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 1163, "denial_rate_pct": 24.9}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 1154, "denial_rate_pct": 13.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 885, "denial_rate_pct": 28.5}, {"lei": "54930049L5WINET09Q97", "name": "Click n' Close, Inc.", "apps": 736, "denial_rate_pct": 6.1}]}, {"msa": "36740", "name": "Orlando-Kissimmee-Sanford, FL", "apps": 14863, "denials": 3637, "denial_rate_pct": 24.5, "small_denial_pct": 52.3, "big_denial_pct": 22.1, "penalty": 2.37, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 2394, "denial_rate_pct": 22.1}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 1098, "denial_rate_pct": 16.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 791, "denial_rate_pct": 30.7}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 664, "denial_rate_pct": 30.3}, {"lei": "549300NOCASXPA34X033", "name": "Lakeview Loan Servicing, LLC", "apps": 441, "denial_rate_pct": 69.6}]}, {"msa": "41700", "name": "San Antonio-New Braunfels, TX", "apps": 14615, "denials": 2383, "denial_rate_pct": 16.3, "small_denial_pct": 30.6, "big_denial_pct": 14.6, "penalty": 2.1, "top_lenders": [{"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 3210, "denial_rate_pct": 21.7}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 1474, "denial_rate_pct": 15.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 639, "denial_rate_pct": 17.8}, {"lei": "5493002QI2ILHHZH8D20", "name": "KBHS HOME LOANS, LLC", "apps": 530, "denial_rate_pct": 11.9}]}, {"msa": "16740", "name": "Charlotte-Concord-Gastonia, NC-SC", "apps": 13573, "denials": 2978, "denial_rate_pct": 21.9, "small_denial_pct": 45.4, "big_denial_pct": 18.8, "penalty": 2.41, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 1357, "denial_rate_pct": 25.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1169, "denial_rate_pct": 21.6}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 881, "denial_rate_pct": 31.9}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 732, "denial_rate_pct": 3.4}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 547, "denial_rate_pct": 15.7}]}, {"msa": "19740", "name": "Denver-Aurora-Lakewood, CO", "apps": 12022, "denials": 2772, "denial_rate_pct": 23.1, "small_denial_pct": 55.9, "big_denial_pct": 21.8, "penalty": 2.56, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1766, "denial_rate_pct": 17.9}, {"lei": "549300ALNLUNS3Y53T24", "name": "AMERICAN FINANCING CORPORATION", "apps": 1381, "denial_rate_pct": 66.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 539, "denial_rate_pct": 27.1}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 341, "denial_rate_pct": 5.6}]}, {"msa": "26900", "name": "Indianapolis-Carmel-Anderson, IN", "apps": 11921, "denials": 2815, "denial_rate_pct": 23.6, "small_denial_pct": 37.8, "big_denial_pct": 20.5, "penalty": 1.84, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 927, "denial_rate_pct": 21.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 924, "denial_rate_pct": 33.1}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 649, "denial_rate_pct": 16.9}, {"lei": "5493000YNV8IX4VD3X12", "name": "VANDERBILT MORTGAGE AND FINANCE, INC", "apps": 473, "denial_rate_pct": 4.0}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 469, "denial_rate_pct": 33.9}]}, {"msa": "31084", "name": "Los Angeles-Long Beach-Glendale, CA", "apps": 11919, "denials": 2962, "denial_rate_pct": 24.9, "small_denial_pct": 55.1, "big_denial_pct": 23.9, "penalty": 2.31, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 2050, "denial_rate_pct": 25.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 1149, "denial_rate_pct": 31.6}, {"lei": "549300J7I82PNDVU8H22", "name": "OCMBC, INC.", "apps": 912, "denial_rate_pct": 3.3}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 415, "denial_rate_pct": 21.9}, {"lei": "549300VCMRO4ST680C11", "name": "Village Capital & Investment", "apps": 389, "denial_rate_pct": 16.2}]}, {"msa": "23104", "name": "Fort Worth-Arlington, TX", "apps": 11396, "denials": 1873, "denial_rate_pct": 16.4, "small_denial_pct": 45.8, "big_denial_pct": 15.9, "penalty": 2.88, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 1395, "denial_rate_pct": 23.9}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 971, "denial_rate_pct": 19.9}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 595, "denial_rate_pct": 22.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 429, "denial_rate_pct": 21.9}]}, {"msa": "29820", "name": "Las Vegas-Henderson-Paradise, NV", "apps": 11094, "denials": 2008, "denial_rate_pct": 18.1, "small_denial_pct": 47.1, "big_denial_pct": 16.1, "penalty": 2.93, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1326, "denial_rate_pct": 16.6}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 754, "denial_rate_pct": 4.9}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 576, "denial_rate_pct": 8.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 566, "denial_rate_pct": 26.0}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 451, "denial_rate_pct": 23.1}]}, {"msa": "12580", "name": "Baltimore-Columbia-Towson, MD", "apps": 10842, "denials": 2552, "denial_rate_pct": 23.5, "small_denial_pct": 47.7, "big_denial_pct": 20.0, "penalty": 2.39, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 901, "denial_rate_pct": 25.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 830, "denial_rate_pct": 30.1}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 563, "denial_rate_pct": 19.2}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 399, "denial_rate_pct": 24.3}]}, {"msa": "34980", "name": "Nashville-Davidson--Murfreesboro--Franklin, TN", "apps": 10673, "denials": 2057, "denial_rate_pct": 19.3, "small_denial_pct": 47.3, "big_denial_pct": 16.6, "penalty": 2.85, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 999, "denial_rate_pct": 16.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 775, "denial_rate_pct": 24.5}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 579, "denial_rate_pct": 3.1}, {"lei": "549300KBWX4NV5Q1E376", "name": "NVR MORTGAGE FINANCE, INC.", "apps": 475, "denial_rate_pct": 19.6}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 470, "denial_rate_pct": 14.3}]}, {"msa": "41180", "name": "St. Louis, MO-IL", "apps": 10458, "denials": 2188, "denial_rate_pct": 20.9, "small_denial_pct": 32.9, "big_denial_pct": 14.3, "penalty": 2.3, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 816, "denial_rate_pct": 27.2}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 796, "denial_rate_pct": 7.3}, {"lei": "549300E2UX99HKDBR481", "name": "NEW AMERICAN FUNDING, LLC.", "apps": 609, "denial_rate_pct": 16.7}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 546, "denial_rate_pct": 19.0}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 485, "denial_rate_pct": 16.7}]}, {"msa": "29460", "name": "Lakeland-Winter Haven, FL", "apps": 9628, "denials": 2483, "denial_rate_pct": 25.8, "small_denial_pct": 43.7, "big_denial_pct": 24.5, "penalty": 1.78, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1076, "denial_rate_pct": 21.7}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 910, "denial_rate_pct": 25.3}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 761, "denial_rate_pct": 33.9}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 529, "denial_rate_pct": 35.3}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 407, "denial_rate_pct": 27.3}]}, {"msa": "17140", "name": "Cincinnati, OH-KY-IN", "apps": 9463, "denials": 2004, "denial_rate_pct": 21.2, "small_denial_pct": 36.6, "big_denial_pct": 16.5, "penalty": 2.22, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 859, "denial_rate_pct": 20.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 859, "denial_rate_pct": 25.8}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 428, "denial_rate_pct": 15.4}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 418, "denial_rate_pct": 6.5}, {"lei": "549300RPOGWJRH63HS39", "name": "UNION HOME MORTGAGE CORP.", "apps": 348, "denial_rate_pct": 7.2}]}, {"msa": "27260", "name": "Jacksonville, FL", "apps": 9252, "denials": 2050, "denial_rate_pct": 22.2, "small_denial_pct": 44.1, "big_denial_pct": 19.2, "penalty": 2.3, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1162, "denial_rate_pct": 17.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 563, "denial_rate_pct": 31.8}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 562, "denial_rate_pct": 19.6}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 515, "denial_rate_pct": 16.5}]}, {"msa": "28140", "name": "Kansas City, MO-KS", "apps": 8530, "denials": 1667, "denial_rate_pct": 19.5, "small_denial_pct": 35.7, "big_denial_pct": 14.8, "penalty": 2.41, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 735, "denial_rate_pct": 27.3}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 562, "denial_rate_pct": 15.8}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 413, "denial_rate_pct": 17.7}, {"lei": "549300MGPZBLQDIL7538", "name": "FAIRWAY INDEPENDENT MORT CORP", "apps": 399, "denial_rate_pct": 6.5}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 384, "denial_rate_pct": 19.8}]}, {"msa": "12420", "name": "Austin-Round Rock, TX", "apps": 8503, "denials": 1317, "denial_rate_pct": 15.5, "small_denial_pct": null, "big_denial_pct": 13.9, "penalty": null, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 1055, "denial_rate_pct": 17.8}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 811, "denial_rate_pct": 26.4}, {"lei": "549300OQMU3ID8QA6M46", "name": "VELOCIO MORTGAGE, L.L.C.", "apps": 487, "denial_rate_pct": 5.3}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 466, "denial_rate_pct": 3.4}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 447, "denial_rate_pct": 18.3}]}, {"msa": "18140", "name": "Columbus, OH", "apps": 8390, "denials": 1861, "denial_rate_pct": 22.2, "small_denial_pct": 40.6, "big_denial_pct": 18.7, "penalty": 2.17, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 709, "denial_rate_pct": 34.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 647, "denial_rate_pct": 26.7}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 504, "denial_rate_pct": 21.0}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 444, "denial_rate_pct": 3.4}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 392, "denial_rate_pct": 16.6}]}, {"msa": "33460", "name": "Minneapolis-St. Paul-Bloomington, MN-WI", "apps": 8198, "denials": 1765, "denial_rate_pct": 21.5, "small_denial_pct": 47.3, "big_denial_pct": 18.8, "penalty": 2.52, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1006, "denial_rate_pct": 21.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 607, "denial_rate_pct": 24.2}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 321, "denial_rate_pct": 22.4}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 317, "denial_rate_pct": 4.1}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 312, "denial_rate_pct": 19.2}]}, {"msa": "17410", "name": "Cleveland, OH", "apps": 8028, "denials": 2004, "denial_rate_pct": 25.0, "small_denial_pct": 37.1, "big_denial_pct": 19.2, "penalty": 1.93, "top_lenders": [{"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 1102, "denial_rate_pct": 6.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 1007, "denial_rate_pct": 30.0}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 513, "denial_rate_pct": 27.5}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 260, "denial_rate_pct": 25.4}, {"lei": "549300YIQ7S7Z8PIHE53", "name": "AMERISAVE MORTGAGE COMPANY", "apps": 246, "denial_rate_pct": 80.1}]}, {"msa": "47764", "name": "Washington, DC-MD", "apps": 7961, "denials": 2137, "denial_rate_pct": 26.8, "small_denial_pct": 63.1, "big_denial_pct": 25.1, "penalty": 2.51, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 736, "denial_rate_pct": 32.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 574, "denial_rate_pct": 31.7}, {"lei": "549300KBWX4NV5Q1E376", "name": "NVR MORTGAGE FINANCE, INC.", "apps": 421, "denial_rate_pct": 28.0}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 418, "denial_rate_pct": 15.3}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 284, "denial_rate_pct": 25.0}]}, {"msa": "47664", "name": "Warren-Troy-Farmington Hills, MI", "apps": 7497, "denials": 2072, "denial_rate_pct": 27.6, "small_denial_pct": 38.3, "big_denial_pct": 23.3, "penalty": 1.64, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1562, "denial_rate_pct": 23.8}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 1324, "denial_rate_pct": 28.0}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 227, "denial_rate_pct": 22.9}, {"lei": "549300RPOGWJRH63HS39", "name": "UNION HOME MORTGAGE CORP.", "apps": 222, "denial_rate_pct": 5.4}, {"lei": "549300NOCASXPA34X033", "name": "Lakeview Loan Servicing, LLC", "apps": 199, "denial_rate_pct": 54.3}]}, {"msa": "31924", "name": "Marietta, GA", "apps": 7370, "denials": 1567, "denial_rate_pct": 21.3, "small_denial_pct": 51.8, "big_denial_pct": 18.5, "penalty": 2.8, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 694, "denial_rate_pct": 18.0}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 604, "denial_rate_pct": 26.0}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 372, "denial_rate_pct": 19.9}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 278, "denial_rate_pct": 27.7}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 234, "denial_rate_pct": 20.5}]}, {"msa": "36420", "name": "Oklahoma City, OK", "apps": 7188, "denials": 1376, "denial_rate_pct": 19.1, "small_denial_pct": 37.7, "big_denial_pct": 16.3, "penalty": 2.31, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 460, "denial_rate_pct": 39.8}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 323, "denial_rate_pct": 23.8}]}, {"msa": "35614", "name": "New York-Jersey City-White Plains, NY-NJ", "apps": 7144, "denials": 2076, "denial_rate_pct": 29.1, "small_denial_pct": null, "big_denial_pct": 27.9, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 913, "denial_rate_pct": 24.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 514, "denial_rate_pct": 33.9}, {"lei": "549300FNXYY540N23N64", "name": "NEWREZ LLC", "apps": 463, "denial_rate_pct": 70.8}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 370, "denial_rate_pct": 29.2}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 350, "denial_rate_pct": 7.4}]}, {"msa": "47260", "name": "Virginia Beach-Norfolk-Newport News, VA-NC", "apps": 7090, "denials": 1516, "denial_rate_pct": 21.4, "small_denial_pct": 51.9, "big_denial_pct": 17.7, "penalty": 2.93, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 660, "denial_rate_pct": 22.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 526, "denial_rate_pct": 24.9}, {"lei": "549300F8C5JA44WNMI75", "name": "American Neighborhood Mortgage Acceptance Company", "apps": 525, "denial_rate_pct": 6.5}, {"lei": "549300RWXUAFD1WAE410", "name": "ATLANTIC BAY MORTGAGE GROUP", "apps": 396, "denial_rate_pct": 5.1}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 361, "denial_rate_pct": 5.8}]}, {"msa": "19804", "name": "Detroit-Dearborn-Livonia, MI", "apps": 7052, "denials": 2166, "denial_rate_pct": 30.7, "small_denial_pct": 39.2, "big_denial_pct": 23.7, "penalty": 1.65, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1397, "denial_rate_pct": 24.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 1322, "denial_rate_pct": 31.5}, {"lei": "549300YIQ7S7Z8PIHE53", "name": "AMERISAVE MORTGAGE COMPANY", "apps": 256, "denial_rate_pct": 81.6}, {"lei": "SS1TRMSN6BRNMOREEV51", "name": "Flagstar Bank NA", "apps": 203, "denial_rate_pct": 36.5}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 202, "denial_rate_pct": 58.4}]}, {"msa": "15980", "name": "Cape Coral-Fort Myers, FL", "apps": 7021, "denials": 1632, "denial_rate_pct": 23.2, "small_denial_pct": 54.6, "big_denial_pct": 20.8, "penalty": 2.62, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1067, "denial_rate_pct": 18.7}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 504, "denial_rate_pct": 45.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 470, "denial_rate_pct": 26.2}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 453, "denial_rate_pct": 23.2}, {"lei": "549300KIOYNU323LVJ37", "name": "American Pacific Mortgage Corporation", "apps": 302, "denial_rate_pct": 7.9}]}, {"msa": "33124", "name": "Miami-Miami Beach-Kendall, FL", "apps": 6975, "denials": 2053, "denial_rate_pct": 29.4, "small_denial_pct": 68.2, "big_denial_pct": 27.1, "penalty": 2.52, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1350, "denial_rate_pct": 23.5}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 637, "denial_rate_pct": 27.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 517, "denial_rate_pct": 27.9}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 305, "denial_rate_pct": 14.8}, {"lei": "549300NOCASXPA34X033", "name": "Lakeview Loan Servicing, LLC", "apps": 269, "denial_rate_pct": 70.6}]}, {"msa": "11694", "name": "Arlington-Alexandria-Reston, VA-WV", "apps": 6935, "denials": 1636, "denial_rate_pct": 23.6, "small_denial_pct": null, "big_denial_pct": 22.3, "penalty": null, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 571, "denial_rate_pct": 26.8}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 551, "denial_rate_pct": 24.1}, {"lei": "549300KBWX4NV5Q1E376", "name": "NVR MORTGAGE FINANCE, INC.", "apps": 375, "denial_rate_pct": 36.8}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 337, "denial_rate_pct": 13.4}]}, {"msa": "32820", "name": "Memphis, TN-MS-AR", "apps": 6760, "denials": 1616, "denial_rate_pct": 23.9, "small_denial_pct": 44.5, "big_denial_pct": 16.7, "penalty": 2.66, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 527, "denial_rate_pct": 34.5}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 467, "denial_rate_pct": 25.7}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 273, "denial_rate_pct": 18.7}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 236, "denial_rate_pct": 25.8}]}, {"msa": "31140", "name": "Louisville/Jefferson County, KY-IN", "apps": 6593, "denials": 1423, "denial_rate_pct": 21.6, "small_denial_pct": 41.6, "big_denial_pct": 15.9, "penalty": 2.62, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 786, "denial_rate_pct": 14.8}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 582, "denial_rate_pct": 26.8}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 435, "denial_rate_pct": 14.3}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 194, "denial_rate_pct": 18.6}]}, {"msa": "22744", "name": "Fort Lauderdale-Pompano Beach-Deerfield Beach, FL", "apps": 6523, "denials": 2081, "denial_rate_pct": 31.9, "small_denial_pct": 81.7, "big_denial_pct": 28.6, "penalty": 2.86, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1624, "denial_rate_pct": 26.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 526, "denial_rate_pct": 30.0}, {"lei": "549300NOCASXPA34X033", "name": "Lakeview Loan Servicing, LLC", "apps": 323, "denial_rate_pct": 74.6}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 275, "denial_rate_pct": 24.7}, {"lei": "254900ZFWS2106HWPH46", "name": "PARAMOUNT RESIDENTIAL MORTGAGE", "apps": 251, "denial_rate_pct": 5.2}]}, {"msa": "38300", "name": "Pittsburgh, PA", "apps": 6464, "denials": 1696, "denial_rate_pct": 26.2, "small_denial_pct": 36.8, "big_denial_pct": 19.6, "penalty": 1.88, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 940, "denial_rate_pct": 35.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 552, "denial_rate_pct": 21.7}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 241, "denial_rate_pct": 22.0}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 239, "denial_rate_pct": 4.6}, {"lei": "549300YIQ7S7Z8PIHE53", "name": "AMERISAVE MORTGAGE COMPANY", "apps": 233, "denial_rate_pct": 77.3}]}, {"msa": "13820", "name": "Birmingham-Hoover, AL", "apps": 6402, "denials": 1464, "denial_rate_pct": 22.9, "small_denial_pct": 42.3, "big_denial_pct": 16.4, "penalty": 2.58, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 595, "denial_rate_pct": 16.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 469, "denial_rate_pct": 36.0}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 352, "denial_rate_pct": 19.9}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 277, "denial_rate_pct": 21.7}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 213, "denial_rate_pct": 49.8}]}, {"msa": "40060", "name": "Richmond, VA", "apps": 6388, "denials": 1430, "denial_rate_pct": 22.4, "small_denial_pct": 54.6, "big_denial_pct": 18.3, "penalty": 2.98, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 586, "denial_rate_pct": 24.9}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 468, "denial_rate_pct": 20.1}, {"lei": "549300KBWX4NV5Q1E376", "name": "NVR MORTGAGE FINANCE, INC.", "apps": 362, "denial_rate_pct": 37.0}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 302, "denial_rate_pct": 14.6}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 220, "denial_rate_pct": 24.5}]}, {"msa": "37964", "name": "Philadelphia, PA", "apps": 6360, "denials": 1748, "denial_rate_pct": 27.5, "small_denial_pct": 47.1, "big_denial_pct": 19.9, "penalty": 2.37, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 535, "denial_rate_pct": 37.0}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 431, "denial_rate_pct": 6.5}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 414, "denial_rate_pct": 31.2}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 286, "denial_rate_pct": 30.4}, {"lei": "5493005PKOSG7MYX0B34", "name": "PROSPERITY HOME MORTGAGE, LLC", "apps": 246, "denial_rate_pct": 17.1}]}, {"msa": "40900", "name": "Sacramento--Roseville--Arden-Arcade, CA", "apps": 6277, "denials": 1413, "denial_rate_pct": 22.5, "small_denial_pct": null, "big_denial_pct": 21.1, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 1339, "denial_rate_pct": 20.2}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 458, "denial_rate_pct": 29.0}, {"lei": "549300NOCASXPA34X033", "name": "Lakeview Loan Servicing, LLC", "apps": 242, "denial_rate_pct": 53.3}, {"lei": "549300MZ8VZJOVC63092", "name": "Kind Lending, LLC", "apps": 230, "denial_rate_pct": 22.2}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 212, "denial_rate_pct": 25.5}]}, {"msa": "38900", "name": "Portland-Vancouver-Hillsboro, OR-WA", "apps": 6050, "denials": 1084, "denial_rate_pct": 17.9, "small_denial_pct": null, "big_denial_pct": 16.2, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 615, "denial_rate_pct": 15.6}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 406, "denial_rate_pct": 4.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 348, "denial_rate_pct": 26.7}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 247, "denial_rate_pct": 4.5}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 237, "denial_rate_pct": 20.3}]}, {"msa": "15804", "name": "Camden, NJ", "apps": 6044, "denials": 1354, "denial_rate_pct": 22.4, "small_denial_pct": 48.0, "big_denial_pct": 18.9, "penalty": 2.54, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 451, "denial_rate_pct": 25.7}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 378, "denial_rate_pct": 27.0}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 329, "denial_rate_pct": 4.9}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 311, "denial_rate_pct": 20.3}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 248, "denial_rate_pct": 28.6}]}, {"msa": "41980", "name": "San Juan-Carolina-Caguas, PR", "apps": 6039, "denials": 1021, "denial_rate_pct": 16.9, "small_denial_pct": 18.0, "big_denial_pct": 14.9, "penalty": 1.21, "top_lenders": []}, {"msa": "39300", "name": "Providence-Warwick, RI-MA", "apps": 5666, "denials": 1214, "denial_rate_pct": 21.4, "small_denial_pct": 48.8, "big_denial_pct": 19.4, "penalty": 2.52, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 513, "denial_rate_pct": 19.5}, {"lei": "54930052M48FOD3CWA54", "name": "Primary Residential Mortgage, INC.", "apps": 321, "denial_rate_pct": 13.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 316, "denial_rate_pct": 28.5}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 289, "denial_rate_pct": 18.0}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 251, "denial_rate_pct": 2.8}]}, {"msa": "29484", "name": "Lakewood-New Brunswick, NJ", "apps": 5649, "denials": 1402, "denial_rate_pct": 24.8, "small_denial_pct": 47.9, "big_denial_pct": 23.0, "penalty": 2.08, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 506, "denial_rate_pct": 27.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 426, "denial_rate_pct": 24.9}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 321, "denial_rate_pct": 21.2}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 307, "denial_rate_pct": 7.5}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 261, "denial_rate_pct": 20.7}]}, {"msa": "35084", "name": "Newark, NJ-PA", "apps": 5538, "denials": 1474, "denial_rate_pct": 26.6, "small_denial_pct": null, "big_denial_pct": 25.3, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 648, "denial_rate_pct": 29.9}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 377, "denial_rate_pct": 8.8}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 357, "denial_rate_pct": 26.3}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 251, "denial_rate_pct": 23.5}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 213, "denial_rate_pct": 31.0}]}, {"msa": "24860", "name": "Greenville-Anderson-Mauldin, SC", "apps": 5514, "denials": 1088, "denial_rate_pct": 19.7, "small_denial_pct": 39.2, "big_denial_pct": 16.7, "penalty": 2.35, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 377, "denial_rate_pct": 27.3}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 364, "denial_rate_pct": 19.8}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 320, "denial_rate_pct": 30.0}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 317, "denial_rate_pct": 20.8}, {"lei": "549300KBWX4NV5Q1E376", "name": "NVR MORTGAGE FINANCE, INC.", "apps": 252, "denial_rate_pct": 25.8}]}, {"msa": "39580", "name": "Raleigh, NC", "apps": 5455, "denials": 1153, "denial_rate_pct": 21.1, "small_denial_pct": 49.7, "big_denial_pct": 18.0, "penalty": 2.76, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 376, "denial_rate_pct": 28.7}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 351, "denial_rate_pct": 25.9}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 286, "denial_rate_pct": 14.0}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 258, "denial_rate_pct": 24.8}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 234, "denial_rate_pct": 29.1}]}, {"msa": "46060", "name": "Tucson, AZ", "apps": 5410, "denials": 1041, "denial_rate_pct": 19.2, "small_denial_pct": 49.6, "big_denial_pct": 15.1, "penalty": 3.28, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 463, "denial_rate_pct": 21.0}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 405, "denial_rate_pct": 4.7}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 365, "denial_rate_pct": 15.3}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 270, "denial_rate_pct": 38.1}]}, {"msa": "17900", "name": "Columbia, SC", "apps": 5325, "denials": 1100, "denial_rate_pct": 20.7, "small_denial_pct": 40.6, "big_denial_pct": 18.2, "penalty": 2.23, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 404, "denial_rate_pct": 27.0}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 390, "denial_rate_pct": 9.5}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 357, "denial_rate_pct": 25.2}, {"lei": "5493000YNV8IX4VD3X12", "name": "VANDERBILT MORTGAGE AND FINANCE, INC", "apps": 209, "denial_rate_pct": 1.9}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 200, "denial_rate_pct": 16.0}]}, {"msa": "46140", "name": "Tulsa, OK", "apps": 5279, "denials": 895, "denial_rate_pct": 17.0, "small_denial_pct": 37.0, "big_denial_pct": 12.3, "penalty": 3.01, "top_lenders": [{"lei": "549300LXKO1O7CSK5J52", "name": "FLAT BRANCH MORTGAGE, INC.", "apps": 406, "denial_rate_pct": 1.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 360, "denial_rate_pct": 35.8}]}, {"msa": "12540", "name": "Bakersfield, CA", "apps": 5038, "denials": 1015, "denial_rate_pct": 20.1, "small_denial_pct": 47.9, "big_denial_pct": 17.5, "penalty": 2.74, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 810, "denial_rate_pct": 17.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 369, "denial_rate_pct": 33.3}, {"lei": "549300MZ8VZJOVC63092", "name": "Kind Lending, LLC", "apps": 267, "denial_rate_pct": 15.7}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 224, "denial_rate_pct": 12.1}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 209, "denial_rate_pct": 13.4}]}, {"msa": "19660", "name": "Deltona-Daytona Beach-Ormond Beach, FL", "apps": 4951, "denials": 1123, "denial_rate_pct": 22.7, "small_denial_pct": 54.3, "big_denial_pct": 19.7, "penalty": 2.76, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 733, "denial_rate_pct": 18.8}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 414, "denial_rate_pct": 17.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 300, "denial_rate_pct": 27.3}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 173, "denial_rate_pct": 30.1}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 157, "denial_rate_pct": 21.0}]}, {"msa": "35840", "name": "North Port-Sarasota-Bradenton, FL", "apps": 4890, "denials": 1144, "denial_rate_pct": 23.4, "small_denial_pct": 57.9, "big_denial_pct": 21.6, "penalty": 2.68, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 546, "denial_rate_pct": 19.2}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 506, "denial_rate_pct": 26.5}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 445, "denial_rate_pct": 27.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 193, "denial_rate_pct": 35.8}, {"lei": "549300UI36AJZ0WZ4U93", "name": "TAYLOR MORRISON HOME FUNDING, INC.", "apps": 191, "denial_rate_pct": 41.4}]}, {"msa": "16700", "name": "Charleston-North Charleston, SC", "apps": 4883, "denials": 908, "denial_rate_pct": 18.6, "small_denial_pct": 48.1, "big_denial_pct": 16.1, "penalty": 2.99, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 491, "denial_rate_pct": 18.7}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 311, "denial_rate_pct": 19.9}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 294, "denial_rate_pct": 19.0}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 282, "denial_rate_pct": 27.0}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 196, "denial_rate_pct": 17.3}]}, {"msa": "41620", "name": "Salt Lake City, UT", "apps": 4841, "denials": 837, "denial_rate_pct": 17.3, "small_denial_pct": null, "big_denial_pct": 16.3, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 673, "denial_rate_pct": 17.8}, {"lei": "549300VQUTI5IU7GXT57", "name": "SECURITYNATIONAL MORTGAGE COMPANY", "apps": 293, "denial_rate_pct": 8.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 262, "denial_rate_pct": 34.0}, {"lei": "549300MZ8VZJOVC63092", "name": "Kind Lending, LLC", "apps": 246, "denial_rate_pct": 25.2}]}, {"msa": "28940", "name": "Knoxville, TN", "apps": 4726, "denials": 839, "denial_rate_pct": 17.8, "small_denial_pct": 36.3, "big_denial_pct": 14.2, "penalty": 2.56, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 457, "denial_rate_pct": 23.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 454, "denial_rate_pct": 15.2}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 213, "denial_rate_pct": 16.0}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 162, "denial_rate_pct": 12.3}]}, {"msa": "35004", "name": "Nassau County-Suffolk County, NY", "apps": 4715, "denials": 1054, "denial_rate_pct": 22.4, "small_denial_pct": null, "big_denial_pct": 21.4, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 673, "denial_rate_pct": 13.8}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 421, "denial_rate_pct": 27.1}, {"lei": "549300FNXYY540N23N64", "name": "NEWREZ LLC", "apps": 296, "denial_rate_pct": 69.9}]}, {"msa": "48424", "name": "West Palm Beach-Boca Raton-Delray Beach, FL", "apps": 4619, "denials": 1326, "denial_rate_pct": 28.7, "small_denial_pct": 72.7, "big_denial_pct": 25.0, "penalty": 2.91, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 956, "denial_rate_pct": 24.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 353, "denial_rate_pct": 34.3}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 239, "denial_rate_pct": 5.4}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 203, "denial_rate_pct": 26.6}, {"lei": "549300NOCASXPA34X033", "name": "Lakeview Loan Servicing, LLC", "apps": 170, "denial_rate_pct": 69.4}]}, {"msa": "23420", "name": "Fresno, CA", "apps": 4615, "denials": 935, "denial_rate_pct": 20.3, "small_denial_pct": 50.9, "big_denial_pct": 17.8, "penalty": 2.86, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 821, "denial_rate_pct": 16.8}, {"lei": "549300MZ8VZJOVC63092", "name": "Kind Lending, LLC", "apps": 495, "denial_rate_pct": 20.0}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 280, "denial_rate_pct": 27.9}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 268, "denial_rate_pct": 14.2}]}, {"msa": "10740", "name": "Albuquerque, NM", "apps": 4614, "denials": 963, "denial_rate_pct": 20.9, "small_denial_pct": 46.3, "big_denial_pct": 17.3, "penalty": 2.68, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 405, "denial_rate_pct": 23.5}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 367, "denial_rate_pct": 6.0}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 314, "denial_rate_pct": 32.5}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 296, "denial_rate_pct": 24.3}]}, {"msa": "12940", "name": "Baton Rouge, LA", "apps": 4548, "denials": 1045, "denial_rate_pct": 23.0, "small_denial_pct": 38.2, "big_denial_pct": 17.0, "penalty": 2.25, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 462, "denial_rate_pct": 17.3}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 244, "denial_rate_pct": 35.2}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 212, "denial_rate_pct": 30.2}]}, {"msa": "38940", "name": "Port St. Lucie, FL", "apps": 4457, "denials": 1210, "denial_rate_pct": 27.1, "small_denial_pct": null, "big_denial_pct": 25.9, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 728, "denial_rate_pct": 22.1}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 309, "denial_rate_pct": 44.3}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 268, "denial_rate_pct": 28.0}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 210, "denial_rate_pct": 27.1}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 188, "denial_rate_pct": 6.9}]}, {"msa": "36100", "name": "Ocala, FL", "apps": 4300, "denials": 1024, "denial_rate_pct": 23.8, "small_denial_pct": 41.7, "big_denial_pct": 22.3, "penalty": 1.87, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 544, "denial_rate_pct": 22.1}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 382, "denial_rate_pct": 25.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 242, "denial_rate_pct": 33.5}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 227, "denial_rate_pct": 37.4}, {"lei": "549300RPOGWJRH63HS39", "name": "UNION HOME MORTGAGE CORP.", "apps": 114, "denial_rate_pct": 10.5}]}, {"msa": "29414", "name": "Lake County-Porter County-Jasper County, IN", "apps": 4006, "denials": 868, "denial_rate_pct": 21.7, "small_denial_pct": 39.9, "big_denial_pct": 15.3, "penalty": 2.61, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 394, "denial_rate_pct": 26.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 231, "denial_rate_pct": 22.1}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 195, "denial_rate_pct": 19.5}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 170, "denial_rate_pct": 8.8}, {"lei": "549300U3721PJGQZYY68", "name": "GUARANTEED RATE, INC.", "apps": 148, "denial_rate_pct": 11.5}]}, {"msa": "30780", "name": "Little Rock-North Little Rock-Conway, AR", "apps": 3932, "denials": 800, "denial_rate_pct": 20.3, "small_denial_pct": 33.1, "big_denial_pct": 13.9, "penalty": 2.38, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 318, "denial_rate_pct": 31.1}, {"lei": "549300LXKO1O7CSK5J52", "name": "FLAT BRANCH MORTGAGE, INC.", "apps": 169, "denial_rate_pct": 0.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 161, "denial_rate_pct": 25.5}]}, {"msa": "43900", "name": "Spartanburg, SC", "apps": 3858, "denials": 800, "denial_rate_pct": 20.7, "small_denial_pct": 35.3, "big_denial_pct": 18.7, "penalty": 1.89, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 397, "denial_rate_pct": 21.7}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 276, "denial_rate_pct": 27.9}, {"lei": "549300KBWX4NV5Q1E376", "name": "NVR MORTGAGE FINANCE, INC.", "apps": 272, "denial_rate_pct": 33.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 224, "denial_rate_pct": 30.8}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 212, "denial_rate_pct": 21.2}]}, {"msa": "21340", "name": "El Paso, TX", "apps": 3758, "denials": 405, "denial_rate_pct": 10.8, "small_denial_pct": 35.1, "big_denial_pct": 8.9, "penalty": 3.94, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 362, "denial_rate_pct": 11.6}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 265, "denial_rate_pct": 4.9}]}, {"msa": "37340", "name": "Palm Bay-Melbourne-Titusville, FL", "apps": 3744, "denials": 824, "denial_rate_pct": 22.0, "small_denial_pct": 46.4, "big_denial_pct": 19.5, "penalty": 2.38, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 574, "denial_rate_pct": 20.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 249, "denial_rate_pct": 30.1}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 179, "denial_rate_pct": 25.1}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 137, "denial_rate_pct": 20.4}]}, {"msa": "41740", "name": "San Diego-Carlsbad, CA", "apps": 3679, "denials": 868, "denial_rate_pct": 23.6, "small_denial_pct": null, "big_denial_pct": 22.8, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 927, "denial_rate_pct": 22.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 322, "denial_rate_pct": 28.3}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 118, "denial_rate_pct": 0.8}, {"lei": "549300NOCASXPA34X033", "name": "Lakeview Loan Servicing, LLC", "apps": 116, "denial_rate_pct": 56.9}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 113, "denial_rate_pct": 20.4}]}, {"msa": "45104", "name": "Tacoma-Lakewood, WA", "apps": 3678, "denials": 672, "denial_rate_pct": 18.3, "small_denial_pct": null, "big_denial_pct": 17.1, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 328, "denial_rate_pct": 22.3}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 297, "denial_rate_pct": 3.4}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 211, "denial_rate_pct": 5.2}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 195, "denial_rate_pct": 26.7}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 178, "denial_rate_pct": 6.2}]}, {"msa": "14260", "name": "Boise City, ID", "apps": 3600, "denials": 423, "denial_rate_pct": 11.8, "small_denial_pct": null, "big_denial_pct": 9.9, "penalty": null, "top_lenders": [{"lei": "549300B4IYL7TZT8FA34", "name": "Premier Mortgage Resources, LLC", "apps": 359, "denial_rate_pct": 2.8}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 266, "denial_rate_pct": 13.5}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 216, "denial_rate_pct": 3.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 197, "denial_rate_pct": 16.2}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 176, "denial_rate_pct": 13.6}]}, {"msa": "49180", "name": "Winston-Salem, NC", "apps": 3567, "denials": 734, "denial_rate_pct": 20.6, "small_denial_pct": 38.4, "big_denial_pct": 16.2, "penalty": 2.37, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 368, "denial_rate_pct": 23.4}, {"lei": "549300RWXUAFD1WAE410", "name": "ATLANTIC BAY MORTGAGE GROUP", "apps": 258, "denial_rate_pct": 0.4}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 229, "denial_rate_pct": 24.5}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 191, "denial_rate_pct": 27.7}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 165, "denial_rate_pct": 3.0}]}, {"msa": "39340", "name": "Provo-Orem, UT", "apps": 3565, "denials": 471, "denial_rate_pct": 13.2, "small_denial_pct": null, "big_denial_pct": 12.7, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 441, "denial_rate_pct": 13.8}, {"lei": "5493003V40VGM7YDFM54", "name": "FIRST COLONY MORTGAGE CORPORAT", "apps": 342, "denial_rate_pct": 2.6}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 230, "denial_rate_pct": 17.0}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 203, "denial_rate_pct": 10.8}]}, {"msa": "33874", "name": "Montgomery County-Bucks County-Chester County, PA", "apps": 3511, "denials": 827, "denial_rate_pct": 23.6, "small_denial_pct": 50.7, "big_denial_pct": 20.0, "penalty": 2.54, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 377, "denial_rate_pct": 27.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 248, "denial_rate_pct": 23.4}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 192, "denial_rate_pct": 6.8}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 189, "denial_rate_pct": 21.2}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 156, "denial_rate_pct": 26.3}]}, {"msa": "24660", "name": "Greensboro-High Point, NC", "apps": 3423, "denials": 759, "denial_rate_pct": 22.2, "small_denial_pct": 37.8, "big_denial_pct": 18.0, "penalty": 2.1, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 341, "denial_rate_pct": 29.0}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 249, "denial_rate_pct": 26.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 209, "denial_rate_pct": 25.8}, {"lei": "549300RWXUAFD1WAE410", "name": "ATLANTIC BAY MORTGAGE GROUP", "apps": 186, "denial_rate_pct": 2.2}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 184, "denial_rate_pct": 15.2}]}, {"msa": "19430", "name": "Dayton-Kettering, OH", "apps": 3380, "denials": 734, "denial_rate_pct": 21.7, "small_denial_pct": 27.5, "big_denial_pct": 20.5, "penalty": 1.34, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 366, "denial_rate_pct": 26.8}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 203, "denial_rate_pct": 23.6}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 146, "denial_rate_pct": 21.2}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 130, "denial_rate_pct": 3.8}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 121, "denial_rate_pct": 13.2}]}, {"msa": "26620", "name": "Huntsville, AL", "apps": 3296, "denials": 655, "denial_rate_pct": 19.9, "small_denial_pct": 46.8, "big_denial_pct": 14.9, "penalty": 3.14, "top_lenders": [{"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 278, "denial_rate_pct": 23.0}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 260, "denial_rate_pct": 18.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 222, "denial_rate_pct": 31.1}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 190, "denial_rate_pct": 11.1}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 156, "denial_rate_pct": 26.9}]}, {"msa": "12260", "name": "Augusta-Richmond County, GA-SC", "apps": 3275, "denials": 719, "denial_rate_pct": 22.0, "small_denial_pct": 41.7, "big_denial_pct": 14.3, "penalty": 2.92, "top_lenders": [{"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 356, "denial_rate_pct": 9.0}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 293, "denial_rate_pct": 27.3}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 194, "denial_rate_pct": 23.7}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 189, "denial_rate_pct": 22.8}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 122, "denial_rate_pct": 26.2}]}, {"msa": "10900", "name": "Allentown-Bethlehem-Easton, PA-NJ", "apps": 3270, "denials": 802, "denial_rate_pct": 24.5, "small_denial_pct": 43.6, "big_denial_pct": 20.5, "penalty": 2.13, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 328, "denial_rate_pct": 22.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 285, "denial_rate_pct": 26.3}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 269, "denial_rate_pct": 5.9}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 169, "denial_rate_pct": 25.4}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 135, "denial_rate_pct": 19.3}]}, {"msa": "48864", "name": "Wilmington, DE-MD-NJ", "apps": 3256, "denials": 752, "denial_rate_pct": 23.1, "small_denial_pct": 53.3, "big_denial_pct": 19.0, "penalty": 2.81, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 265, "denial_rate_pct": 27.2}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 190, "denial_rate_pct": 28.9}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 139, "denial_rate_pct": 21.6}]}, {"msa": "32580", "name": "McAllen-Edinburg-Mission, TX", "apps": 3251, "denials": 367, "denial_rate_pct": 11.3, "small_denial_pct": 24.0, "big_denial_pct": 10.3, "penalty": 2.33, "top_lenders": [{"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 272, "denial_rate_pct": 3.7}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 246, "denial_rate_pct": 4.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 240, "denial_rate_pct": 14.6}, {"lei": "2549004FXPNKCLIN8250", "name": "Synergy One Lending, Inc.", "apps": 210, "denial_rate_pct": 7.6}]}, {"msa": "36540", "name": "Omaha-Council Bluffs, NE-IA", "apps": 3247, "denials": 628, "denial_rate_pct": 19.3, "small_denial_pct": 41.1, "big_denial_pct": 14.5, "penalty": 2.83, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 311, "denial_rate_pct": 33.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 162, "denial_rate_pct": 20.4}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 142, "denial_rate_pct": 21.8}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 121, "denial_rate_pct": 9.1}]}, {"msa": "35380", "name": "New Orleans-Metairie, LA", "apps": 3121, "denials": 912, "denial_rate_pct": 29.2, "small_denial_pct": 49.1, "big_denial_pct": 19.6, "penalty": 2.51, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 338, "denial_rate_pct": 25.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 295, "denial_rate_pct": 37.3}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 159, "denial_rate_pct": 22.0}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 135, "denial_rate_pct": 3.7}]}, {"msa": "33340", "name": "Milwaukee-Waukesha-West Allis, WI", "apps": 3112, "denials": 904, "denial_rate_pct": 29.0, "small_denial_pct": 51.9, "big_denial_pct": 21.9, "penalty": 2.37, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 358, "denial_rate_pct": 31.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 243, "denial_rate_pct": 25.5}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 144, "denial_rate_pct": 25.0}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 117, "denial_rate_pct": 19.7}, {"lei": "549300MGPZBLQDIL7538", "name": "FAIRWAY INDEPENDENT MORT CORP", "apps": 101, "denial_rate_pct": 10.9}]}, {"msa": "27140", "name": "Jackson, MS", "apps": 3003, "denials": 697, "denial_rate_pct": 23.2, "small_denial_pct": 45.1, "big_denial_pct": 15.1, "penalty": 2.99, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 252, "denial_rate_pct": 35.7}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 144, "denial_rate_pct": 5.6}]}, {"msa": "25540", "name": "Hartford-West Hartford-East Hartford, CT", "apps": 2935, "denials": 756, "denial_rate_pct": 25.8, "small_denial_pct": 54.4, "big_denial_pct": 21.4, "penalty": 2.54, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 316, "denial_rate_pct": 25.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 244, "denial_rate_pct": 29.1}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 156, "denial_rate_pct": 17.9}]}, {"msa": "16860", "name": "Chattanooga, TN-GA", "apps": 2896, "denials": 577, "denial_rate_pct": 19.9, "small_denial_pct": 44.7, "big_denial_pct": 14.5, "penalty": 3.08, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 262, "denial_rate_pct": 30.2}, {"lei": "549300RPOGWJRH63HS39", "name": "UNION HOME MORTGAGE CORP.", "apps": 182, "denial_rate_pct": 5.5}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 173, "denial_rate_pct": 22.5}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 144, "denial_rate_pct": 18.1}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 121, "denial_rate_pct": 5.0}]}, {"msa": "36260", "name": "Ogden-Clearfield, UT", "apps": 2871, "denials": 420, "denial_rate_pct": 14.6, "small_denial_pct": null, "big_denial_pct": 13.4, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 342, "denial_rate_pct": 15.8}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 216, "denial_rate_pct": 2.3}, {"lei": "549300MZ8VZJOVC63092", "name": "Kind Lending, LLC", "apps": 187, "denial_rate_pct": 24.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 156, "denial_rate_pct": 28.8}]}, {"msa": "24540", "name": "Greeley, CO", "apps": 2841, "denials": 547, "denial_rate_pct": 19.3, "small_denial_pct": null, "big_denial_pct": 18.3, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 343, "denial_rate_pct": 17.5}, {"lei": "549300ALNLUNS3Y53T24", "name": "AMERICAN FINANCING CORPORATION", "apps": 299, "denial_rate_pct": 62.2}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 205, "denial_rate_pct": 15.6}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 135, "denial_rate_pct": 15.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 115, "denial_rate_pct": 37.4}]}, {"msa": "44700", "name": "Stockton-Lodi, CA", "apps": 2833, "denials": 636, "denial_rate_pct": 22.4, "small_denial_pct": null, "big_denial_pct": 21.0, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 560, "denial_rate_pct": 20.2}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 205, "denial_rate_pct": 24.9}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 170, "denial_rate_pct": 21.8}, {"lei": "549300NOCASXPA34X033", "name": "Lakeview Loan Servicing, LLC", "apps": 111, "denial_rate_pct": 47.7}]}, {"msa": "36084", "name": "Oakland-Hayward-Berkeley, CA", "apps": 2823, "denials": 693, "denial_rate_pct": 24.5, "small_denial_pct": null, "big_denial_pct": 23.3, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 517, "denial_rate_pct": 27.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 313, "denial_rate_pct": 27.8}, {"lei": "549300NOCASXPA34X033", "name": "Lakeview Loan Servicing, LLC", "apps": 132, "denial_rate_pct": 57.6}]}, {"msa": "17820", "name": "Colorado Springs, CO", "apps": 2800, "denials": 508, "denial_rate_pct": 18.1, "small_denial_pct": null, "big_denial_pct": 16.2, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 457, "denial_rate_pct": 17.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 154, "denial_rate_pct": 21.4}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 107, "denial_rate_pct": 4.7}]}, {"msa": "24340", "name": "Grand Rapids-Wyoming, MI", "apps": 2794, "denials": 715, "denial_rate_pct": 25.6, "small_denial_pct": 41.9, "big_denial_pct": 20.0, "penalty": 2.09, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 368, "denial_rate_pct": 19.8}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 350, "denial_rate_pct": 28.9}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 107, "denial_rate_pct": 27.1}]}, {"msa": "14454", "name": "Boston, MA", "apps": 2753, "denials": 683, "denial_rate_pct": 24.8, "small_denial_pct": null, "big_denial_pct": 23.6, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 329, "denial_rate_pct": 20.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 223, "denial_rate_pct": 30.0}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 171, "denial_rate_pct": 26.3}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 150, "denial_rate_pct": 22.0}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 117, "denial_rate_pct": 8.5}]}, {"msa": "34820", "name": "Myrtle Beach-Conway-North Myrtle Beach, SC-NC", "apps": 2741, "denials": 677, "denial_rate_pct": 24.7, "small_denial_pct": 45.3, "big_denial_pct": 21.2, "penalty": 2.14, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 489, "denial_rate_pct": 31.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 170, "denial_rate_pct": 24.1}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 159, "denial_rate_pct": 24.5}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 154, "denial_rate_pct": 22.7}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 107, "denial_rate_pct": 22.4}]}, {"msa": "20994", "name": "Elgin, IL", "apps": 2708, "denials": 642, "denial_rate_pct": 23.7, "small_denial_pct": null, "big_denial_pct": 21.2, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 238, "denial_rate_pct": 23.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 174, "denial_rate_pct": 24.1}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 138, "denial_rate_pct": 10.9}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 137, "denial_rate_pct": 25.5}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 135, "denial_rate_pct": 15.6}]}, {"msa": "15764", "name": "Cambridge-Newton-Framingham, MA", "apps": 2708, "denials": 636, "denial_rate_pct": 23.5, "small_denial_pct": null, "big_denial_pct": 21.6, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 278, "denial_rate_pct": 29.5}, {"lei": "549300U3721PJGQZYY68", "name": "GUARANTEED RATE, INC.", "apps": 232, "denial_rate_pct": 12.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 175, "denial_rate_pct": 28.0}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 175, "denial_rate_pct": 6.9}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 160, "denial_rate_pct": 15.6}]}, {"msa": "37860", "name": "Pensacola-Ferry Pass-Brent, FL", "apps": 2683, "denials": 580, "denial_rate_pct": 21.6, "small_denial_pct": 41.5, "big_denial_pct": 19.2, "penalty": 2.16, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 388, "denial_rate_pct": 28.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 212, "denial_rate_pct": 31.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 185, "denial_rate_pct": 23.2}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 119, "denial_rate_pct": 11.8}]}, {"msa": "23224", "name": "Frederick-Gaithersburg-Rockville, MD", "apps": 2681, "denials": 684, "denial_rate_pct": 25.5, "small_denial_pct": null, "big_denial_pct": 23.6, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 241, "denial_rate_pct": 26.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 225, "denial_rate_pct": 26.2}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 113, "denial_rate_pct": 18.6}, {"lei": "549300FNXYY540N23N64", "name": "NEWREZ LLC", "apps": 100, "denial_rate_pct": 66.0}]}, {"msa": "22220", "name": "Fayetteville-Springdale-Rogers, AR-MO", "apps": 2652, "denials": 468, "denial_rate_pct": 17.6, "small_denial_pct": 43.1, "big_denial_pct": 14.5, "penalty": 2.97, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 199, "denial_rate_pct": 23.1}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 192, "denial_rate_pct": 18.8}, {"lei": "549300LXKO1O7CSK5J52", "name": "FLAT BRANCH MORTGAGE, INC.", "apps": 158, "denial_rate_pct": 0.6}]}, {"msa": "33660", "name": "Mobile, AL", "apps": 2647, "denials": 635, "denial_rate_pct": 24.0, "small_denial_pct": 39.5, "big_denial_pct": 18.7, "penalty": 2.11, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 245, "denial_rate_pct": 33.9}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 219, "denial_rate_pct": 24.7}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 121, "denial_rate_pct": 27.3}]}, {"msa": "48620", "name": "Wichita, KS", "apps": 2574, "denials": 547, "denial_rate_pct": 21.3, "small_denial_pct": 32.3, "big_denial_pct": 14.0, "penalty": 2.31, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 242, "denial_rate_pct": 28.1}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 206, "denial_rate_pct": 4.9}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 165, "denial_rate_pct": 17.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 143, "denial_rate_pct": 18.2}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 142, "denial_rate_pct": 19.7}]}, {"msa": "41304", "name": "St. Petersburg-Clearwater-Largo, FL", "apps": 2565, "denials": 635, "denial_rate_pct": 24.8, "small_denial_pct": 61.2, "big_denial_pct": 19.2, "penalty": 3.19, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 472, "denial_rate_pct": 19.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 198, "denial_rate_pct": 24.7}]}, {"msa": "10420", "name": "Akron, OH", "apps": 2559, "denials": 575, "denial_rate_pct": 22.5, "small_denial_pct": 32.3, "big_denial_pct": 18.5, "penalty": 1.75, "top_lenders": [{"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 354, "denial_rate_pct": 2.8}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 326, "denial_rate_pct": 24.8}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 140, "denial_rate_pct": 27.1}]}, {"msa": "15380", "name": "Buffalo-Cheektowaga-Niagara Falls, NY", "apps": 2524, "denials": 546, "denial_rate_pct": 21.6, "small_denial_pct": 35.0, "big_denial_pct": 17.7, "penalty": 1.98, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 503, "denial_rate_pct": 30.2}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 351, "denial_rate_pct": 12.0}, {"lei": "WWB2V0FCW3A0EE3ZJN75", "name": "M&T BANK", "apps": 241, "denial_rate_pct": 15.8}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 154, "denial_rate_pct": 3.2}]}, {"msa": "42340", "name": "Savannah, GA", "apps": 2509, "denials": 596, "denial_rate_pct": 23.8, "small_denial_pct": 55.7, "big_denial_pct": 19.7, "penalty": 2.83, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 312, "denial_rate_pct": 33.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 199, "denial_rate_pct": 26.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 191, "denial_rate_pct": 16.2}, {"lei": "549300E2UX99HKDBR481", "name": "NEW AMERICAN FUNDING, LLC.", "apps": 145, "denial_rate_pct": 15.9}]}, {"msa": "47300", "name": "Visalia-Porterville, CA", "apps": 2454, "denials": 377, "denial_rate_pct": 15.4, "small_denial_pct": null, "big_denial_pct": 12.8, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 263, "denial_rate_pct": 17.9}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 183, "denial_rate_pct": 4.9}, {"lei": "549300MZ8VZJOVC63092", "name": "Kind Lending, LLC", "apps": 124, "denial_rate_pct": 13.7}]}, {"msa": "19780", "name": "Des Moines-West Des Moines, IA", "apps": 2449, "denials": 546, "denial_rate_pct": 22.3, "small_denial_pct": 33.3, "big_denial_pct": 20.5, "penalty": 1.62, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 216, "denial_rate_pct": 25.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 193, "denial_rate_pct": 28.0}, {"lei": "549300E2UX99HKDBR481", "name": "NEW AMERICAN FUNDING, LLC.", "apps": 145, "denial_rate_pct": 13.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 138, "denial_rate_pct": 29.7}]}, {"msa": "49340", "name": "Worcester, MA-CT", "apps": 2434, "denials": 512, "denial_rate_pct": 21.0, "small_denial_pct": null, "big_denial_pct": 18.2, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 260, "denial_rate_pct": 20.0}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 232, "denial_rate_pct": 27.6}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 126, "denial_rate_pct": 23.0}, {"lei": "549300E2UX99HKDBR481", "name": "NEW AMERICAN FUNDING, LLC.", "apps": 116, "denial_rate_pct": 18.1}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 111, "denial_rate_pct": 8.1}]}, {"msa": "44180", "name": "Springfield, MO", "apps": 2331, "denials": 431, "denial_rate_pct": 18.5, "small_denial_pct": 31.9, "big_denial_pct": 14.8, "penalty": 2.16, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 207, "denial_rate_pct": 35.7}, {"lei": "549300LXKO1O7CSK5J52", "name": "FLAT BRANCH MORTGAGE, INC.", "apps": 186, "denial_rate_pct": 0.5}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 133, "denial_rate_pct": 18.8}, {"lei": "549300ZZME37MXI1EF14", "name": "DAS ACQUISITION COMPANY, LLC", "apps": 123, "denial_rate_pct": 3.3}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 117, "denial_rate_pct": 12.0}]}, {"msa": "39900", "name": "Reno, NV", "apps": 2331, "denials": 377, "denial_rate_pct": 16.2, "small_denial_pct": null, "big_denial_pct": 14.6, "penalty": null, "top_lenders": [{"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 331, "denial_rate_pct": 3.0}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 268, "denial_rate_pct": 15.7}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 214, "denial_rate_pct": 18.2}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 149, "denial_rate_pct": 3.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 127, "denial_rate_pct": 18.1}]}, {"msa": "48900", "name": "Wilmington, NC", "apps": 2327, "denials": 466, "denial_rate_pct": 20.0, "small_denial_pct": 41.5, "big_denial_pct": 16.8, "penalty": 2.47, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 321, "denial_rate_pct": 24.3}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 161, "denial_rate_pct": 21.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 131, "denial_rate_pct": 29.8}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 112, "denial_rate_pct": 11.6}]}, {"msa": "25060", "name": "Gulfport-Biloxi-Pascagoula, MS", "apps": 2285, "denials": 534, "denial_rate_pct": 23.4, "small_denial_pct": 38.2, "big_denial_pct": 18.2, "penalty": 2.1, "top_lenders": [{"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 258, "denial_rate_pct": 7.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 181, "denial_rate_pct": 28.7}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 121, "denial_rate_pct": 25.6}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 106, "denial_rate_pct": 28.3}]}, {"msa": "25180", "name": "Hagerstown-Martinsburg, MD-WV", "apps": 2215, "denials": 425, "denial_rate_pct": 19.2, "small_denial_pct": 38.1, "big_denial_pct": 16.1, "penalty": 2.37, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 163, "denial_rate_pct": 22.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 153, "denial_rate_pct": 30.1}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 125, "denial_rate_pct": 16.0}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 113, "denial_rate_pct": 7.1}]}, {"msa": "42540", "name": "Scranton--Wilkes-Barre--Hazleton, PA", "apps": 2210, "denials": 547, "denial_rate_pct": 24.8, "small_denial_pct": 34.5, "big_denial_pct": 19.7, "penalty": 1.75, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 323, "denial_rate_pct": 25.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 144, "denial_rate_pct": 28.5}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 111, "denial_rate_pct": 18.0}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 100, "denial_rate_pct": 5.0}]}, {"msa": "33700", "name": "Modesto, CA", "apps": 2154, "denials": 441, "denial_rate_pct": 20.5, "small_denial_pct": null, "big_denial_pct": 19.2, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 406, "denial_rate_pct": 20.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 155, "denial_rate_pct": 26.5}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 102, "denial_rate_pct": 0.0}]}, {"msa": "42644", "name": "Seattle-Bellevue-Everett, WA", "apps": 2124, "denials": 519, "denial_rate_pct": 24.4, "small_denial_pct": null, "big_denial_pct": 22.4, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 260, "denial_rate_pct": 26.2}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 179, "denial_rate_pct": 33.0}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 172, "denial_rate_pct": 6.4}]}, {"msa": "33860", "name": "Montgomery, AL", "apps": 2099, "denials": 483, "denial_rate_pct": 23.0, "small_denial_pct": 39.1, "big_denial_pct": 16.6, "penalty": 2.36, "top_lenders": [{"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 272, "denial_rate_pct": 3.3}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 151, "denial_rate_pct": 29.1}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 113, "denial_rate_pct": 2.7}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 107, "denial_rate_pct": 22.4}]}, {"msa": "44060", "name": "Spokane-Spokane Valley, WA", "apps": 2051, "denials": 387, "denial_rate_pct": 18.9, "small_denial_pct": null, "big_denial_pct": 15.2, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 195, "denial_rate_pct": 15.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 127, "denial_rate_pct": 20.5}, {"lei": "549300ZWNETGFXTBBY03", "name": "CANOPY MORTGAGE, LLC", "apps": 110, "denial_rate_pct": 0.9}]}, {"msa": "18580", "name": "Corpus Christi, TX", "apps": 2034, "denials": 309, "denial_rate_pct": 15.2, "small_denial_pct": 25.2, "big_denial_pct": 13.5, "penalty": 1.87, "top_lenders": [{"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 370, "denial_rate_pct": 26.2}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 339, "denial_rate_pct": 13.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 116, "denial_rate_pct": 14.7}]}, {"msa": "22420", "name": "Flint, MI", "apps": 2017, "denials": 430, "denial_rate_pct": 21.3, "small_denial_pct": 26.8, "big_denial_pct": 15.8, "penalty": 1.7, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 261, "denial_rate_pct": 29.9}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 229, "denial_rate_pct": 15.7}]}, {"msa": "25860", "name": "Hickory-Lenoir-Morganton, NC", "apps": 2017, "denials": 411, "denial_rate_pct": 20.4, "small_denial_pct": 35.4, "big_denial_pct": 16.0, "penalty": 2.21, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 259, "denial_rate_pct": 24.3}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 172, "denial_rate_pct": 4.1}, {"lei": "549300RWXUAFD1WAE410", "name": "ATLANTIC BAY MORTGAGE GROUP", "apps": 151, "denial_rate_pct": 1.3}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 143, "denial_rate_pct": 23.8}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 120, "denial_rate_pct": 19.2}]}, {"msa": "29180", "name": "Lafayette, LA", "apps": 2008, "denials": 480, "denial_rate_pct": 23.9, "small_denial_pct": 38.4, "big_denial_pct": 17.5, "penalty": 2.19, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 271, "denial_rate_pct": 17.0}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 255, "denial_rate_pct": 35.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 122, "denial_rate_pct": 24.6}]}, {"msa": "23060", "name": "Fort Wayne, IN", "apps": 1985, "denials": 434, "denial_rate_pct": 21.9, "small_denial_pct": 33.7, "big_denial_pct": 17.8, "penalty": 1.89, "top_lenders": [{"lei": "549300GSCUJKJINRJ980", "name": "Ruoff Mortgage Company", "apps": 286, "denial_rate_pct": 9.8}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 161, "denial_rate_pct": 32.3}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 136, "denial_rate_pct": 25.0}]}, {"msa": "49620", "name": "York-Hanover, PA", "apps": 1949, "denials": 385, "denial_rate_pct": 19.8, "small_denial_pct": 34.7, "big_denial_pct": 14.3, "penalty": 2.43, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 186, "denial_rate_pct": 30.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 117, "denial_rate_pct": 30.8}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 106, "denial_rate_pct": 8.5}]}, {"msa": "45780", "name": "Toledo, OH", "apps": 1941, "denials": 514, "denial_rate_pct": 26.5, "small_denial_pct": 33.1, "big_denial_pct": 22.0, "penalty": 1.5, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 269, "denial_rate_pct": 29.7}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 150, "denial_rate_pct": 30.7}, {"lei": "549300RPOGWJRH63HS39", "name": "UNION HOME MORTGAGE CORP.", "apps": 121, "denial_rate_pct": 5.8}, {"lei": "2WHM8VNJH63UN14OL754", "name": "Huntington National Bank", "apps": 117, "denial_rate_pct": 25.6}]}, {"msa": "31180", "name": "Lubbock, TX", "apps": 1926, "denials": 190, "denial_rate_pct": 9.9, "small_denial_pct": 18.0, "big_denial_pct": 9.1, "penalty": 1.98, "top_lenders": [{"lei": "549300GTVXJ2PGXNLM73", "name": "T2 FINANCIAL LLC", "apps": 295, "denial_rate_pct": 2.0}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 177, "denial_rate_pct": 17.5}, {"lei": "549300VORTI31GZTJL53", "name": "CARDINAL FINANCIAL COMPANY, LI", "apps": 123, "denial_rate_pct": 4.9}]}, {"msa": "49660", "name": "Youngstown-Warren-Boardman, OH-PA", "apps": 1905, "denials": 463, "denial_rate_pct": 24.3, "small_denial_pct": 29.8, "big_denial_pct": 19.4, "penalty": 1.54, "top_lenders": [{"lei": "549300T9P3WXNMXX0I34", "name": "Ixonia Bank", "apps": 291, "denial_rate_pct": 1.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 246, "denial_rate_pct": 41.1}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 169, "denial_rate_pct": 3.0}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 129, "denial_rate_pct": 22.5}, {"lei": "2WHM8VNJH63UN14OL754", "name": "Huntington National Bank", "apps": 110, "denial_rate_pct": 21.8}]}, {"msa": "15940", "name": "Canton-Massillon, OH", "apps": 1885, "denials": 432, "denial_rate_pct": 22.9, "small_denial_pct": 27.6, "big_denial_pct": 21.3, "penalty": 1.3, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 243, "denial_rate_pct": 32.9}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 231, "denial_rate_pct": 4.3}, {"lei": "2WHM8VNJH63UN14OL754", "name": "Huntington National Bank", "apps": 141, "denial_rate_pct": 22.0}]}, {"msa": "19300", "name": "Daphne-Fairhope-Foley, AL", "apps": 1852, "denials": 436, "denial_rate_pct": 23.5, "small_denial_pct": 47.8, "big_denial_pct": 21.7, "penalty": 2.2, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 439, "denial_rate_pct": 31.0}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 120, "denial_rate_pct": 26.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 110, "denial_rate_pct": 26.4}]}, {"msa": "43340", "name": "Shreveport-Bossier City, LA", "apps": 1847, "denials": 442, "denial_rate_pct": 23.9, "small_denial_pct": 39.8, "big_denial_pct": 14.3, "penalty": 2.78, "top_lenders": [{"lei": "54930021WPEXNHYZUL09", "name": "PLANET HOME LENDING, LLC", "apps": 161, "denial_rate_pct": 10.6}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 139, "denial_rate_pct": 18.7}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 130, "denial_rate_pct": 1.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 110, "denial_rate_pct": 37.3}]}, {"msa": "30460", "name": "Lexington-Fayette, KY", "apps": 1828, "denials": 340, "denial_rate_pct": 18.6, "small_denial_pct": 44.3, "big_denial_pct": 14.0, "penalty": 3.16, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 198, "denial_rate_pct": 23.7}, {"lei": "5493001GDRY0EL7VG372", "name": "ARK-LA-TEX FINANCIAL SERVICES LLC", "apps": 168, "denial_rate_pct": 6.0}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 112, "denial_rate_pct": 18.8}, {"lei": "549300QR0KFPEDZPEI42", "name": "STOCKTON MORTGAGE CORPORATION", "apps": 108, "denial_rate_pct": 9.3}]}, {"msa": "28660", "name": "Killeen-Temple, TX", "apps": 1805, "denials": 270, "denial_rate_pct": 15.0, "small_denial_pct": 25.4, "big_denial_pct": 13.7, "penalty": 1.85, "top_lenders": [{"lei": "549300MGPZBLQDIL7538", "name": "FAIRWAY INDEPENDENT MORT CORP", "apps": 239, "denial_rate_pct": 5.9}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 211, "denial_rate_pct": 14.7}]}, {"msa": "33260", "name": "Midland, TX", "apps": 1786, "denials": 191, "denial_rate_pct": 10.7, "small_denial_pct": null, "big_denial_pct": 9.5, "penalty": null, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 275, "denial_rate_pct": 13.8}, {"lei": "549300KHXD7JSQUZIJ22", "name": "Highlands Residential Mortgage, Ltd.", "apps": 159, "denial_rate_pct": 1.3}, {"lei": "549300121SF0K2LN2804", "name": "PRIMELENDING", "apps": 129, "denial_rate_pct": 9.3}]}, {"msa": "11244", "name": "Anaheim-Santa Ana-Irvine, CA", "apps": 1783, "denials": 469, "denial_rate_pct": 26.3, "small_denial_pct": null, "big_denial_pct": 25.6, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 383, "denial_rate_pct": 23.2}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 220, "denial_rate_pct": 33.2}]}, {"msa": "21794", "name": "Everett, WA", "apps": 1775, "denials": 363, "denial_rate_pct": 20.5, "small_denial_pct": null, "big_denial_pct": 19.2, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 186, "denial_rate_pct": 23.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 141, "denial_rate_pct": 36.2}]}, {"msa": "17300", "name": "Clarksville, TN-KY", "apps": 1771, "denials": 351, "denial_rate_pct": 19.8, "small_denial_pct": 41.3, "big_denial_pct": 14.6, "penalty": 2.83, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 150, "denial_rate_pct": 25.3}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 125, "denial_rate_pct": 25.6}]}, {"msa": "44140", "name": "Springfield, MA", "apps": 1771, "denials": 372, "denial_rate_pct": 21.0, "small_denial_pct": null, "big_denial_pct": 16.5, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 202, "denial_rate_pct": 15.8}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 187, "denial_rate_pct": 7.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 114, "denial_rate_pct": 30.7}]}, {"msa": "40380", "name": "Rochester, NY", "apps": 1754, "denials": 411, "denial_rate_pct": 23.4, "small_denial_pct": 29.9, "big_denial_pct": 19.2, "penalty": 1.56, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 332, "denial_rate_pct": 29.8}]}, {"msa": "41420", "name": "Salem, OR", "apps": 1724, "denials": 310, "denial_rate_pct": 18.0, "small_denial_pct": null, "big_denial_pct": 16.7, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 146, "denial_rate_pct": 18.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 120, "denial_rate_pct": 20.0}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 115, "denial_rate_pct": 5.2}]}, {"msa": "47930", "name": "Waterbury-Shelton, CT", "apps": 1710, "denials": 450, "denial_rate_pct": 26.3, "small_denial_pct": null, "big_denial_pct": 22.5, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 164, "denial_rate_pct": 25.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 142, "denial_rate_pct": 26.8}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 113, "denial_rate_pct": 22.1}]}, {"msa": "39460", "name": "Punta Gorda, FL", "apps": 1686, "denials": 402, "denial_rate_pct": 23.8, "small_denial_pct": null, "big_denial_pct": 22.0, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 249, "denial_rate_pct": 23.3}, {"lei": "549300H3IZO24NSOO931", "name": "Lennar Mortgage, LLC", "apps": 134, "denial_rate_pct": 43.3}]}, {"msa": "13140", "name": "Beaumont-Port Arthur, TX", "apps": 1645, "denials": 204, "denial_rate_pct": 12.4, "small_denial_pct": 17.7, "big_denial_pct": 11.8, "penalty": 1.5, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 182, "denial_rate_pct": 9.9}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 138, "denial_rate_pct": 1.4}]}, {"msa": "36220", "name": "Odessa, TX", "apps": 1645, "denials": 209, "denial_rate_pct": 12.7, "small_denial_pct": null, "big_denial_pct": 13.2, "penalty": null, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 255, "denial_rate_pct": 16.1}, {"lei": "549300VORTI31GZTJL53", "name": "CARDINAL FINANCIAL COMPANY, LI", "apps": 110, "denial_rate_pct": 1.8}, {"lei": "549300121SF0K2LN2804", "name": "PRIMELENDING", "apps": 108, "denial_rate_pct": 1.9}]}, {"msa": "35300", "name": "New Haven-Milford, CT", "apps": 1620, "denials": 456, "denial_rate_pct": 28.1, "small_denial_pct": null, "big_denial_pct": 24.4, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 167, "denial_rate_pct": 19.8}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 143, "denial_rate_pct": 30.8}]}, {"msa": "45220", "name": "Tallahassee, FL", "apps": 1608, "denials": 315, "denial_rate_pct": 19.6, "small_denial_pct": 31.8, "big_denial_pct": 17.6, "penalty": 1.81, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 128, "denial_rate_pct": 24.2}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 112, "denial_rate_pct": 25.0}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 109, "denial_rate_pct": 16.5}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 108, "denial_rate_pct": 3.7}]}, {"msa": "25420", "name": "Harrisburg-Carlisle, PA", "apps": 1606, "denials": 384, "denial_rate_pct": 23.9, "small_denial_pct": 39.4, "big_denial_pct": 18.7, "penalty": 2.11, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 205, "denial_rate_pct": 26.3}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 111, "denial_rate_pct": 18.0}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 104, "denial_rate_pct": 11.5}]}, {"msa": "49740", "name": "Yuma, AZ", "apps": 1599, "denials": 222, "denial_rate_pct": 13.9, "small_denial_pct": 28.6, "big_denial_pct": 10.7, "penalty": 2.67, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 332, "denial_rate_pct": 11.4}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 172, "denial_rate_pct": 3.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 119, "denial_rate_pct": 17.6}]}, {"msa": "22180", "name": "Fayetteville, NC", "apps": 1596, "denials": 384, "denial_rate_pct": 24.1, "small_denial_pct": 39.5, "big_denial_pct": 15.0, "penalty": 2.63, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 169, "denial_rate_pct": 24.9}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 134, "denial_rate_pct": 20.1}]}, {"msa": "10580", "name": "Albany-Schenectady-Troy, NY", "apps": 1560, "denials": 377, "denial_rate_pct": 24.2, "small_denial_pct": 41.4, "big_denial_pct": 19.2, "penalty": 2.16, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 245, "denial_rate_pct": 33.1}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 117, "denial_rate_pct": 13.7}]}, {"msa": "39740", "name": "Reading, PA", "apps": 1557, "denials": 356, "denial_rate_pct": 22.9, "small_denial_pct": 41.9, "big_denial_pct": 18.4, "penalty": 2.28, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 143, "denial_rate_pct": 35.7}, {"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 141, "denial_rate_pct": 3.5}, {"lei": "RVDPPPGHCGZ40J4VQ731", "name": "PENNYMAC LOAN SERVICES LLC", "apps": 112, "denial_rate_pct": 18.8}]}, {"msa": "28700", "name": "Kingsport-Bristol-Bristol, TN-VA", "apps": 1549, "denials": 312, "denial_rate_pct": 20.1, "small_denial_pct": 36.8, "big_denial_pct": 12.0, "penalty": 3.07, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 168, "denial_rate_pct": 29.2}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 159, "denial_rate_pct": 16.4}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 127, "denial_rate_pct": 5.5}]}, {"msa": "28420", "name": "Kennewick-Richland, WA", "apps": 1535, "denials": 237, "denial_rate_pct": 15.4, "small_denial_pct": null, "big_denial_pct": 13.4, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 178, "denial_rate_pct": 21.9}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 162, "denial_rate_pct": 0.6}, {"lei": "549300121SF0K2LN2804", "name": "PRIMELENDING", "apps": 107, "denial_rate_pct": 1.9}]}, {"msa": "20100", "name": "Dover, DE", "apps": 1518, "denials": 392, "denial_rate_pct": 25.8, "small_denial_pct": null, "big_denial_pct": 24.4, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 117, "denial_rate_pct": 27.4}]}, {"msa": "46700", "name": "Vallejo-Fairfield, CA", "apps": 1502, "denials": 325, "denial_rate_pct": 21.6, "small_denial_pct": null, "big_denial_pct": 20.4, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 288, "denial_rate_pct": 19.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 118, "denial_rate_pct": 27.1}]}, {"msa": "29404", "name": "Lake County-Kenosha County, IL-WI", "apps": 1484, "denials": 422, "denial_rate_pct": 28.4, "small_denial_pct": 59.0, "big_denial_pct": 21.9, "penalty": 2.69, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 125, "denial_rate_pct": 31.2}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 123, "denial_rate_pct": 29.3}]}, {"msa": "23540", "name": "Gainesville, FL", "apps": 1476, "denials": 334, "denial_rate_pct": 22.6, "small_denial_pct": 44.4, "big_denial_pct": 16.5, "penalty": 2.69, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 159, "denial_rate_pct": 22.6}, {"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 146, "denial_rate_pct": 13.0}]}, {"msa": "29620", "name": "Lansing-East Lansing, MI", "apps": 1474, "denials": 385, "denial_rate_pct": 26.1, "small_denial_pct": 33.0, "big_denial_pct": 19.3, "penalty": 1.71, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 226, "denial_rate_pct": 27.0}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 170, "denial_rate_pct": 27.6}, {"lei": "549300RPOGWJRH63HS39", "name": "UNION HOME MORTGAGE CORP.", "apps": 139, "denial_rate_pct": 4.3}, {"lei": "SS1TRMSN6BRNMOREEV51", "name": "Flagstar Bank NA", "apps": 123, "denial_rate_pct": 57.7}]}, {"msa": "29700", "name": "Laredo, TX", "apps": 1467, "denials": 169, "denial_rate_pct": 11.5, "small_denial_pct": null, "big_denial_pct": 9.8, "penalty": null, "top_lenders": [{"lei": "549300121SF0K2LN2804", "name": "PRIMELENDING", "apps": 263, "denial_rate_pct": 6.5}, {"lei": "549300LYRWPSYPK6S325", "name": "FREEDOM MORTGAGE CORPORATION", "apps": 154, "denial_rate_pct": 12.3}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 119, "denial_rate_pct": 13.4}]}, {"msa": "20500", "name": "Durham-Chapel Hill, NC", "apps": 1435, "denials": 341, "denial_rate_pct": 23.8, "small_denial_pct": 58.9, "big_denial_pct": 18.1, "penalty": 3.25, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 138, "denial_rate_pct": 30.4}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 108, "denial_rate_pct": 25.9}]}, {"msa": "37460", "name": "Panama City, FL", "apps": 1433, "denials": 351, "denial_rate_pct": 24.5, "small_denial_pct": 40.5, "big_denial_pct": 21.0, "penalty": 1.93, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 267, "denial_rate_pct": 23.2}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 150, "denial_rate_pct": 24.7}]}, {"msa": "26580", "name": "Huntington-Ashland, WV-KY-OH", "apps": 1425, "denials": 319, "denial_rate_pct": 22.4, "small_denial_pct": 29.1, "big_denial_pct": 15.0, "penalty": 1.94, "top_lenders": [{"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 181, "denial_rate_pct": 3.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 156, "denial_rate_pct": 39.7}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 124, "denial_rate_pct": 14.5}, {"lei": "549300QR0KFPEDZPEI42", "name": "STOCKTON MORTGAGE CORPORATION", "apps": 118, "denial_rate_pct": 10.2}, {"lei": "549300121SF0K2LN2804", "name": "PRIMELENDING", "apps": 107, "denial_rate_pct": 8.4}]}, {"msa": "43640", "name": "Slidell-Mandeville-Covington, LA", "apps": 1407, "denials": 328, "denial_rate_pct": 23.3, "small_denial_pct": 46.1, "big_denial_pct": 18.0, "penalty": 2.56, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 136, "denial_rate_pct": 33.8}]}, {"msa": "40220", "name": "Roanoke, VA", "apps": 1407, "denials": 255, "denial_rate_pct": 18.1, "small_denial_pct": 38.2, "big_denial_pct": 11.7, "penalty": 3.26, "top_lenders": [{"lei": "549300RWXUAFD1WAE410", "name": "ATLANTIC BAY MORTGAGE GROUP", "apps": 162, "denial_rate_pct": 0.6}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 133, "denial_rate_pct": 22.6}]}, {"msa": "14860", "name": "Bridgeport-Stamford-Norwalk, CT", "apps": 1405, "denials": 462, "denial_rate_pct": 32.9, "small_denial_pct": null, "big_denial_pct": 30.0, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 124, "denial_rate_pct": 37.1}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 113, "denial_rate_pct": 25.7}]}, {"msa": "46220", "name": "Tuscaloosa, AL", "apps": 1370, "denials": 314, "denial_rate_pct": 22.9, "small_denial_pct": 50.8, "big_denial_pct": 15.6, "penalty": 3.26, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 136, "denial_rate_pct": 25.7}, {"lei": "549300DD4R4SYK5RAQ92", "name": "MOVEMENT MORTGAGE, LLC", "apps": 111, "denial_rate_pct": 1.8}]}, {"msa": "15180", "name": "Brownsville-Harlingen, TX", "apps": 1369, "denials": 164, "denial_rate_pct": 12.0, "small_denial_pct": null, "big_denial_pct": 10.5, "penalty": null, "top_lenders": [{"lei": "549300MGPZBLQDIL7538", "name": "FAIRWAY INDEPENDENT MORT CORP", "apps": 113, "denial_rate_pct": 3.5}]}, {"msa": "29420", "name": "Lake Havasu City-Kingman, AZ", "apps": 1361, "denials": 296, "denial_rate_pct": 21.7, "small_denial_pct": 34.0, "big_denial_pct": 17.3, "penalty": 1.97, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 211, "denial_rate_pct": 20.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 106, "denial_rate_pct": 29.2}, {"lei": "549300E2UX99HKDBR481", "name": "NEW AMERICAN FUNDING, LLC.", "apps": 105, "denial_rate_pct": 9.5}]}, {"msa": "31340", "name": "Lynchburg, VA", "apps": 1356, "denials": 248, "denial_rate_pct": 18.3, "small_denial_pct": 33.5, "big_denial_pct": 16.5, "penalty": 2.03, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 171, "denial_rate_pct": 23.4}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 102, "denial_rate_pct": 12.7}]}, {"msa": "11100", "name": "Amarillo, TX", "apps": 1340, "denials": 120, "denial_rate_pct": 9.0, "small_denial_pct": 13.1, "big_denial_pct": 8.1, "penalty": 1.62, "top_lenders": []}, {"msa": "17980", "name": "Columbus, GA-AL", "apps": 1329, "denials": 317, "denial_rate_pct": 23.9, "small_denial_pct": 39.0, "big_denial_pct": 15.4, "penalty": 2.53, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 139, "denial_rate_pct": 27.3}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 108, "denial_rate_pct": 17.6}]}, {"msa": "43780", "name": "South Bend-Mishawaka, IN-MI", "apps": 1329, "denials": 319, "denial_rate_pct": 24.0, "small_denial_pct": 34.4, "big_denial_pct": 16.8, "penalty": 2.05, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 181, "denial_rate_pct": 24.9}, {"lei": "549300GSCUJKJINRJ980", "name": "Ruoff Mortgage Company", "apps": 142, "denial_rate_pct": 7.7}]}, {"msa": "31420", "name": "Macon, GA", "apps": 1320, "denials": 325, "denial_rate_pct": 24.6, "small_denial_pct": 34.9, "big_denial_pct": 16.8, "penalty": 2.08, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 156, "denial_rate_pct": 32.7}]}, {"msa": "21780", "name": "Evansville, IN-KY", "apps": 1302, "denials": 254, "denial_rate_pct": 19.5, "small_denial_pct": 27.8, "big_denial_pct": 11.5, "penalty": 2.42, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 102, "denial_rate_pct": 33.3}]}, {"msa": "47580", "name": "Warner Robins, GA", "apps": 1294, "denials": 257, "denial_rate_pct": 19.9, "small_denial_pct": 31.8, "big_denial_pct": 16.7, "penalty": 1.9, "top_lenders": [{"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 150, "denial_rate_pct": 4.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 132, "denial_rate_pct": 31.1}, {"lei": "549300E2UX99HKDBR481", "name": "NEW AMERICAN FUNDING, LLC.", "apps": 100, "denial_rate_pct": 8.0}]}, {"msa": "38860", "name": "Portland-South Portland, ME", "apps": 1282, "denials": 323, "denial_rate_pct": 25.2, "small_denial_pct": null, "big_denial_pct": 20.9, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 189, "denial_rate_pct": 12.7}, {"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 126, "denial_rate_pct": 11.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 107, "denial_rate_pct": 35.5}]}, {"msa": "11260", "name": "Anchorage, AK", "apps": 1276, "denials": 227, "denial_rate_pct": 17.8, "small_denial_pct": null, "big_denial_pct": 15.7, "penalty": null, "top_lenders": []}, {"msa": "26140", "name": "Homosassa Springs, FL", "apps": 1274, "denials": 306, "denial_rate_pct": 24.0, "small_denial_pct": 46.4, "big_denial_pct": 20.5, "penalty": 2.26, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 166, "denial_rate_pct": 22.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 106, "denial_rate_pct": 31.1}]}, {"msa": "19340", "name": "Davenport-Moline-Rock Island, IA-IL", "apps": 1247, "denials": 250, "denial_rate_pct": 20.0, "small_denial_pct": 24.2, "big_denial_pct": 15.9, "penalty": 1.52, "top_lenders": [{"lei": "549300E2UX99HKDBR481", "name": "NEW AMERICAN FUNDING, LLC.", "apps": 133, "denial_rate_pct": 15.8}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 131, "denial_rate_pct": 27.5}]}, {"msa": "12100", "name": "Atlantic City-Hammonton, NJ", "apps": 1244, "denials": 335, "denial_rate_pct": 26.9, "small_denial_pct": null, "big_denial_pct": 21.1, "penalty": null, "top_lenders": []}, {"msa": "39380", "name": "Pueblo, CO", "apps": 1235, "denials": 241, "denial_rate_pct": 19.5, "small_denial_pct": 37.8, "big_denial_pct": 16.3, "penalty": 2.32, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 192, "denial_rate_pct": 17.7}]}, {"msa": "32900", "name": "Merced, CA", "apps": 1217, "denials": 229, "denial_rate_pct": 18.8, "small_denial_pct": null, "big_denial_pct": 17.0, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 224, "denial_rate_pct": 13.8}]}, {"msa": "23580", "name": "Gainesville, GA", "apps": 1201, "denials": 256, "denial_rate_pct": 21.3, "small_denial_pct": null, "big_denial_pct": 18.6, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 125, "denial_rate_pct": 17.6}, {"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 107, "denial_rate_pct": 35.5}]}, {"msa": "40420", "name": "Rockford, IL", "apps": 1199, "denials": 293, "denial_rate_pct": 24.4, "small_denial_pct": 31.3, "big_denial_pct": 18.4, "penalty": 1.7, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 157, "denial_rate_pct": 28.0}]}, {"msa": "29740", "name": "Las Cruces, NM", "apps": 1176, "denials": 223, "denial_rate_pct": 19.0, "small_denial_pct": null, "big_denial_pct": 13.1, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 116, "denial_rate_pct": 15.5}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 101, "denial_rate_pct": 27.7}]}, {"msa": "39150", "name": "Prescott Valley-Prescott, AZ", "apps": 1173, "denials": 254, "denial_rate_pct": 21.7, "small_denial_pct": null, "big_denial_pct": 17.6, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 169, "denial_rate_pct": 21.9}]}, {"msa": "18880", "name": "Crestview-Fort Walton Beach-Destin, FL", "apps": 1164, "denials": 254, "denial_rate_pct": 21.8, "small_denial_pct": null, "big_denial_pct": 20.0, "penalty": null, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 159, "denial_rate_pct": 30.8}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 102, "denial_rate_pct": 23.5}]}, {"msa": "27900", "name": "Joplin, MO", "apps": 1146, "denials": 192, "denial_rate_pct": 16.8, "small_denial_pct": 25.6, "big_denial_pct": 11.6, "penalty": 2.21, "top_lenders": [{"lei": "549300LXKO1O7CSK5J52", "name": "FLAT BRANCH MORTGAGE, INC.", "apps": 462, "denial_rate_pct": 0.9}]}, {"msa": "43620", "name": "Sioux Falls, SD", "apps": 1127, "denials": 224, "denial_rate_pct": 19.9, "small_denial_pct": null, "big_denial_pct": 14.9, "penalty": null, "top_lenders": [{"lei": "549300KJ8PAJ7E52HG32", "name": "Plains Commerce Bank", "apps": 255, "denial_rate_pct": 9.0}]}, {"msa": "34940", "name": "Naples-Immokalee-Marco Island, FL", "apps": 1127, "denials": 290, "denial_rate_pct": 25.7, "small_denial_pct": null, "big_denial_pct": 23.4, "penalty": null, "top_lenders": [{"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 119, "denial_rate_pct": 5.0}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 117, "denial_rate_pct": 29.9}, {"lei": "549300KIOYNU323LVJ37", "name": "American Pacific Mortgage Corporation", "apps": 114, "denial_rate_pct": 9.6}]}, {"msa": "28880", "name": "Kiryas Joel-Poughkeepsie-Newburgh, NY", "apps": 1125, "denials": 315, "denial_rate_pct": 28.0, "small_denial_pct": null, "big_denial_pct": 26.0, "penalty": null, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 202, "denial_rate_pct": 28.2}]}, {"msa": "22500", "name": "Florence, SC", "apps": 1116, "denials": 257, "denial_rate_pct": 23.0, "small_denial_pct": 36.3, "big_denial_pct": 23.2, "penalty": 1.56, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 107, "denial_rate_pct": 28.0}]}, {"msa": "15500", "name": "Burlington, NC", "apps": 1092, "denials": 219, "denial_rate_pct": 20.1, "small_denial_pct": null, "big_denial_pct": 15.7, "penalty": null, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 168, "denial_rate_pct": 24.4}]}, {"msa": "21660", "name": "Eugene, OR", "apps": 1082, "denials": 172, "denial_rate_pct": 15.9, "small_denial_pct": null, "big_denial_pct": 13.5, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 136, "denial_rate_pct": 13.2}]}, {"msa": "47380", "name": "Waco, TX", "apps": 1077, "denials": 133, "denial_rate_pct": 12.3, "small_denial_pct": null, "big_denial_pct": 11.6, "penalty": null, "top_lenders": []}, {"msa": "29540", "name": "Lancaster, PA", "apps": 1073, "denials": 258, "denial_rate_pct": 24.0, "small_denial_pct": null, "big_denial_pct": 21.1, "penalty": null, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 139, "denial_rate_pct": 30.9}]}, {"msa": "37900", "name": "Peoria, IL", "apps": 1072, "denials": 261, "denial_rate_pct": 24.3, "small_denial_pct": 25.8, "big_denial_pct": 20.4, "penalty": 1.26, "top_lenders": [{"lei": "549300LXKO1O7CSK5J52", "name": "FLAT BRANCH MORTGAGE, INC.", "apps": 136, "denial_rate_pct": 2.2}, {"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 124, "denial_rate_pct": 16.9}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 115, "denial_rate_pct": 32.2}]}, {"msa": "37100", "name": "Oxnard-Thousand Oaks-Ventura, CA", "apps": 1069, "denials": 245, "denial_rate_pct": 22.9, "small_denial_pct": null, "big_denial_pct": 22.1, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 193, "denial_rate_pct": 23.8}]}, {"msa": "49420", "name": "Yakima, WA", "apps": 1054, "denials": 186, "denial_rate_pct": 17.6, "small_denial_pct": null, "big_denial_pct": 13.5, "penalty": null, "top_lenders": [{"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 300, "denial_rate_pct": 2.0}]}, {"msa": "22900", "name": "Fort Smith, AR-OK", "apps": 1050, "denials": 214, "denial_rate_pct": 20.4, "small_denial_pct": 33.7, "big_denial_pct": 13.0, "penalty": 2.59, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 101, "denial_rate_pct": 24.8}]}, {"msa": "31700", "name": "Manchester-Nashua, NH", "apps": 1050, "denials": 243, "denial_rate_pct": 23.1, "small_denial_pct": null, "big_denial_pct": 21.0, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 147, "denial_rate_pct": 22.4}]}, {"msa": "27180", "name": "Jackson, TN", "apps": 1042, "denials": 218, "denial_rate_pct": 20.9, "small_denial_pct": 36.4, "big_denial_pct": 12.2, "penalty": 2.98, "top_lenders": [{"lei": "549300R0SXC1JU7ZU290", "name": "FIRST COMMUNITY MORTGAGE, INC.", "apps": 108, "denial_rate_pct": 8.3}]}, {"msa": "45060", "name": "Syracuse, NY", "apps": 1038, "denials": 278, "denial_rate_pct": 26.8, "small_denial_pct": 39.2, "big_denial_pct": 18.0, "penalty": 2.18, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 225, "denial_rate_pct": 30.7}]}, {"msa": "22660", "name": "Fort Collins, CO", "apps": 1034, "denials": 230, "denial_rate_pct": 22.2, "small_denial_pct": null, "big_denial_pct": 19.7, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 129, "denial_rate_pct": 24.0}]}, {"msa": "29340", "name": "Lake Charles, LA", "apps": 1020, "denials": 231, "denial_rate_pct": 22.6, "small_denial_pct": 29.1, "big_denial_pct": 16.2, "penalty": 1.8, "top_lenders": []}, {"msa": "40580", "name": "Rocky Mount, NC", "apps": 993, "denials": 260, "denial_rate_pct": 26.2, "small_denial_pct": 41.9, "big_denial_pct": 21.8, "penalty": 1.92, "top_lenders": []}, {"msa": "13460", "name": "Bend-Redmond, OR", "apps": 992, "denials": 164, "denial_rate_pct": 16.5, "small_denial_pct": null, "big_denial_pct": 15.7, "penalty": null, "top_lenders": []}, {"msa": "19460", "name": "Decatur, AL", "apps": 986, "denials": 219, "denial_rate_pct": 22.2, "small_denial_pct": 38.2, "big_denial_pct": 19.9, "penalty": 1.92, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 100, "denial_rate_pct": 25.0}]}, {"msa": "47220", "name": "Vineland-Bridgeton, NJ", "apps": 986, "denials": 223, "denial_rate_pct": 22.6, "small_denial_pct": null, "big_denial_pct": 18.0, "penalty": null, "top_lenders": []}, {"msa": "30980", "name": "Longview, TX", "apps": 975, "denials": 118, "denial_rate_pct": 12.1, "small_denial_pct": 17.5, "big_denial_pct": 10.7, "penalty": 1.64, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 149, "denial_rate_pct": 14.8}, {"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 138, "denial_rate_pct": 3.6}]}, {"msa": "11700", "name": "Asheville, NC", "apps": 956, "denials": 201, "denial_rate_pct": 21.0, "small_denial_pct": null, "big_denial_pct": 16.0, "penalty": null, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 128, "denial_rate_pct": 12.5}]}, {"msa": "40484", "name": "Rockingham County-Strafford County, NH", "apps": 952, "denials": 219, "denial_rate_pct": 23.0, "small_denial_pct": null, "big_denial_pct": 19.5, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 101, "denial_rate_pct": 25.7}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 100, "denial_rate_pct": 24.0}]}, {"msa": "22520", "name": "Florence-Muscle Shoals, AL", "apps": 930, "denials": 166, "denial_rate_pct": 17.8, "small_denial_pct": 32.0, "big_denial_pct": 11.3, "penalty": 2.83, "top_lenders": []}, {"msa": "34740", "name": "Muskegon, MI", "apps": 930, "denials": 170, "denial_rate_pct": 18.3, "small_denial_pct": 21.3, "big_denial_pct": 20.3, "penalty": 1.05, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 101, "denial_rate_pct": 20.8}]}, {"msa": "45940", "name": "Trenton, NJ", "apps": 916, "denials": 251, "denial_rate_pct": 27.4, "small_denial_pct": null, "big_denial_pct": 22.6, "penalty": null, "top_lenders": []}, {"msa": "29200", "name": "Lafayette-West Lafayette, IN", "apps": 912, "denials": 208, "denial_rate_pct": 22.8, "small_denial_pct": 42.3, "big_denial_pct": 13.7, "penalty": 3.09, "top_lenders": []}, {"msa": "34100", "name": "Morristown, TN", "apps": 888, "denials": 154, "denial_rate_pct": 17.3, "small_denial_pct": null, "big_denial_pct": 14.7, "penalty": null, "top_lenders": []}, {"msa": "30700", "name": "Lincoln, NE", "apps": 887, "denials": 148, "denial_rate_pct": 16.7, "small_denial_pct": null, "big_denial_pct": 12.6, "penalty": null, "top_lenders": []}, {"msa": "43300", "name": "Sherman-Denison, TX", "apps": 873, "denials": 104, "denial_rate_pct": 11.9, "small_denial_pct": null, "big_denial_pct": 11.4, "penalty": null, "top_lenders": []}, {"msa": "49700", "name": "Yuba City, CA", "apps": 869, "denials": 184, "denial_rate_pct": 21.2, "small_denial_pct": null, "big_denial_pct": 19.8, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 177, "denial_rate_pct": 16.4}]}, {"msa": "42680", "name": "Sebastian-Vero Beach, FL", "apps": 868, "denials": 219, "denial_rate_pct": 25.2, "small_denial_pct": null, "big_denial_pct": 21.2, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 125, "denial_rate_pct": 24.8}]}, {"msa": "12220", "name": "Auburn-Opelika, AL", "apps": 859, "denials": 175, "denial_rate_pct": 20.4, "small_denial_pct": 40.2, "big_denial_pct": 14.7, "penalty": 2.73, "top_lenders": []}, {"msa": "24300", "name": "Grand Junction, CO", "apps": 858, "denials": 150, "denial_rate_pct": 17.5, "small_denial_pct": null, "big_denial_pct": 14.0, "penalty": null, "top_lenders": [{"lei": "5493001GDRY0EL7VG372", "name": "ARK-LA-TEX FINANCIAL SERVICES LLC", "apps": 120, "denial_rate_pct": 0.0}]}, {"msa": "27860", "name": "Jonesboro, AR", "apps": 851, "denials": 158, "denial_rate_pct": 18.6, "small_denial_pct": 28.2, "big_denial_pct": 13.9, "penalty": 2.03, "top_lenders": []}, {"msa": "41100", "name": "St. George, UT", "apps": 846, "denials": 109, "denial_rate_pct": 12.9, "small_denial_pct": null, "big_denial_pct": 11.3, "penalty": null, "top_lenders": [{"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 147, "denial_rate_pct": 3.4}]}, {"msa": "45820", "name": "Topeka, KS", "apps": 840, "denials": 219, "denial_rate_pct": 26.1, "small_denial_pct": 39.6, "big_denial_pct": 16.7, "penalty": 2.37, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 126, "denial_rate_pct": 34.9}]}, {"msa": "26380", "name": "Houma-Thibodaux, LA", "apps": 840, "denials": 170, "denial_rate_pct": 20.2, "small_denial_pct": 34.8, "big_denial_pct": 12.6, "penalty": 2.76, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 194, "denial_rate_pct": 8.2}]}, {"msa": "30500", "name": "Lexington Park, MD", "apps": 836, "denials": 163, "denial_rate_pct": 19.5, "small_denial_pct": null, "big_denial_pct": 16.2, "penalty": null, "top_lenders": []}, {"msa": "13740", "name": "Billings, MT", "apps": 832, "denials": 132, "denial_rate_pct": 15.9, "small_denial_pct": null, "big_denial_pct": 13.0, "penalty": null, "top_lenders": []}, {"msa": "20020", "name": "Dothan, AL", "apps": 829, "denials": 195, "denial_rate_pct": 23.5, "small_denial_pct": 30.5, "big_denial_pct": 22.3, "penalty": 1.37, "top_lenders": []}, {"msa": "33740", "name": "Monroe, LA", "apps": 828, "denials": 163, "denial_rate_pct": 19.7, "small_denial_pct": 33.8, "big_denial_pct": 10.7, "penalty": 3.16, "top_lenders": []}, {"msa": "26820", "name": "Idaho Falls, ID", "apps": 827, "denials": 125, "denial_rate_pct": 15.1, "small_denial_pct": null, "big_denial_pct": 12.9, "penalty": null, "top_lenders": []}, {"msa": "14540", "name": "Bowling Green, KY", "apps": 825, "denials": 151, "denial_rate_pct": 18.3, "small_denial_pct": 31.5, "big_denial_pct": 15.3, "penalty": 2.06, "top_lenders": []}, {"msa": "25940", "name": "Hilton Head Island-Bluffton-Beaufort, SC", "apps": 824, "denials": 201, "denial_rate_pct": 24.4, "small_denial_pct": null, "big_denial_pct": 21.5, "penalty": null, "top_lenders": []}, {"msa": "10180", "name": "Abilene, TX", "apps": 815, "denials": 72, "denial_rate_pct": 8.8, "small_denial_pct": 13.4, "big_denial_pct": 6.8, "penalty": 1.97, "top_lenders": []}, {"msa": "41540", "name": "Salisbury, MD-DE", "apps": 804, "denials": 196, "denial_rate_pct": 24.4, "small_denial_pct": null, "big_denial_pct": 19.0, "penalty": null, "top_lenders": []}, {"msa": "27740", "name": "Johnson City, TN", "apps": 802, "denials": 167, "denial_rate_pct": 20.8, "small_denial_pct": 37.0, "big_denial_pct": 16.0, "penalty": 2.31, "top_lenders": []}, {"msa": "17780", "name": "College Station-Bryan, TX", "apps": 795, "denials": 95, "denial_rate_pct": 11.9, "small_denial_pct": null, "big_denial_pct": 10.7, "penalty": null, "top_lenders": [{"lei": "5493001SXWZ4OFP8Z903", "name": "DHI Mortgage Company, LTD.", "apps": 155, "denial_rate_pct": 20.6}]}, {"msa": "19140", "name": "Dalton, GA", "apps": 793, "denials": 151, "denial_rate_pct": 19.0, "small_denial_pct": null, "big_denial_pct": 15.5, "penalty": null, "top_lenders": []}, {"msa": "25220", "name": "Hammond, LA", "apps": 790, "denials": 201, "denial_rate_pct": 25.4, "small_denial_pct": 43.8, "big_denial_pct": 23.2, "penalty": 1.89, "top_lenders": []}, {"msa": "36500", "name": "Olympia-Tumwater, WA", "apps": 789, "denials": 150, "denial_rate_pct": 19.0, "small_denial_pct": null, "big_denial_pct": 17.4, "penalty": null, "top_lenders": []}, {"msa": "21140", "name": "Elkhart-Goshen, IN", "apps": 786, "denials": 156, "denial_rate_pct": 19.8, "small_denial_pct": 28.3, "big_denial_pct": 13.8, "penalty": 2.05, "top_lenders": [{"lei": "549300VORTI31GZTJL53", "name": "CARDINAL FINANCIAL COMPANY, LI", "apps": 103, "denial_rate_pct": 1.9}]}, {"msa": "45460", "name": "Terre Haute, IN", "apps": 786, "denials": 195, "denial_rate_pct": 24.8, "small_denial_pct": 29.8, "big_denial_pct": null, "penalty": null, "top_lenders": [{"lei": "549300GSCUJKJINRJ980", "name": "Ruoff Mortgage Company", "apps": 128, "denial_rate_pct": 9.4}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 125, "denial_rate_pct": 29.6}]}, {"msa": "49020", "name": "Winchester, VA-WV", "apps": 785, "denials": 154, "denial_rate_pct": 19.6, "small_denial_pct": null, "big_denial_pct": 15.8, "penalty": null, "top_lenders": []}, {"msa": "39820", "name": "Redding, CA", "apps": 780, "denials": 127, "denial_rate_pct": 16.3, "small_denial_pct": null, "big_denial_pct": 13.3, "penalty": null, "top_lenders": []}, {"msa": "24780", "name": "Greenville, NC", "apps": 765, "denials": 153, "denial_rate_pct": 20.0, "small_denial_pct": null, "big_denial_pct": 16.0, "penalty": null, "top_lenders": []}, {"msa": "16620", "name": "Charleston, WV", "apps": 757, "denials": 179, "denial_rate_pct": 23.6, "small_denial_pct": 28.0, "big_denial_pct": null, "penalty": null, "top_lenders": [{"lei": "549300AG64NHILB7ZP05", "name": "loanDepot.com LLC", "apps": 118, "denial_rate_pct": 13.6}]}, {"msa": "25260", "name": "Hanford-Corcoran, CA", "apps": 755, "denials": 131, "denial_rate_pct": 17.4, "small_denial_pct": null, "big_denial_pct": 14.5, "penalty": null, "top_lenders": []}, {"msa": "20940", "name": "El Centro, CA", "apps": 750, "denials": 143, "denial_rate_pct": 19.1, "small_denial_pct": null, "big_denial_pct": 16.3, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 123, "denial_rate_pct": 13.0}]}, {"msa": "44220", "name": "Springfield, OH", "apps": 746, "denials": 168, "denial_rate_pct": 22.5, "small_denial_pct": 26.8, "big_denial_pct": 17.8, "penalty": 1.51, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 101, "denial_rate_pct": 36.6}]}, {"msa": "11500", "name": "Anniston-Oxford-Jacksonville, AL", "apps": 743, "denials": 156, "denial_rate_pct": 21.0, "small_denial_pct": 30.9, "big_denial_pct": 10.4, "penalty": 2.97, "top_lenders": []}, {"msa": "35980", "name": "Norwich-New London, CT", "apps": 743, "denials": 167, "denial_rate_pct": 22.5, "small_denial_pct": null, "big_denial_pct": 18.5, "penalty": null, "top_lenders": []}, {"msa": "46300", "name": "Twin Falls, ID", "apps": 722, "denials": 125, "denial_rate_pct": 17.3, "small_denial_pct": null, "big_denial_pct": 13.0, "penalty": null, "top_lenders": [{"lei": "549300B4IYL7TZT8FA34", "name": "Premier Mortgage Resources, LLC", "apps": 120, "denial_rate_pct": 6.7}]}, {"msa": "27340", "name": "Jacksonville, NC", "apps": 721, "denials": 150, "denial_rate_pct": 20.8, "small_denial_pct": null, "big_denial_pct": 13.5, "penalty": null, "top_lenders": []}, {"msa": "32780", "name": "Medford, OR", "apps": 718, "denials": 137, "denial_rate_pct": 19.1, "small_denial_pct": null, "big_denial_pct": 16.1, "penalty": null, "top_lenders": []}, {"msa": "12020", "name": "Athens-Clarke County, GA", "apps": 717, "denials": 177, "denial_rate_pct": 24.7, "small_denial_pct": null, "big_denial_pct": 19.8, "penalty": null, "top_lenders": []}, {"msa": "17420", "name": "Cleveland, TN", "apps": 707, "denials": 126, "denial_rate_pct": 17.8, "small_denial_pct": null, "big_denial_pct": 14.6, "penalty": null, "top_lenders": []}, {"msa": "25620", "name": "Hattiesburg, MS", "apps": 703, "denials": 163, "denial_rate_pct": 23.2, "small_denial_pct": 38.3, "big_denial_pct": 16.6, "penalty": 2.31, "top_lenders": []}, {"msa": "27100", "name": "Jackson, MI", "apps": 700, "denials": 169, "denial_rate_pct": 24.1, "small_denial_pct": 32.9, "big_denial_pct": 16.2, "penalty": 2.03, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 107, "denial_rate_pct": 27.1}]}, {"msa": "31020", "name": "Longview, WA", "apps": 698, "denials": 101, "denial_rate_pct": 14.5, "small_denial_pct": null, "big_denial_pct": 12.9, "penalty": null, "top_lenders": [{"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 105, "denial_rate_pct": 3.8}]}, {"msa": "46340", "name": "Tyler, TX", "apps": 697, "denials": 95, "denial_rate_pct": 13.6, "small_denial_pct": null, "big_denial_pct": 12.1, "penalty": null, "top_lenders": []}, {"msa": "33780", "name": "Monroe, MI", "apps": 688, "denials": 139, "denial_rate_pct": 20.2, "small_denial_pct": 32.8, "big_denial_pct": 17.3, "penalty": 1.9, "top_lenders": [{"lei": "5493008NWHQT1R22C024", "name": "AMERICAN FINANCIAL NETWORK, INC.", "apps": 121, "denial_rate_pct": 3.3}, {"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 111, "denial_rate_pct": 30.6}]}, {"msa": "42700", "name": "Sebring, FL", "apps": 681, "denials": 153, "denial_rate_pct": 22.5, "small_denial_pct": 40.0, "big_denial_pct": 19.3, "penalty": 2.07, "top_lenders": []}, {"msa": "16300", "name": "Cedar Rapids, IA", "apps": 665, "denials": 129, "denial_rate_pct": 19.4, "small_denial_pct": 25.9, "big_denial_pct": 19.4, "penalty": 1.34, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 101, "denial_rate_pct": 8.9}]}, {"msa": "14740", "name": "Bremerton-Silverdale, WA", "apps": 665, "denials": 113, "denial_rate_pct": 17.0, "small_denial_pct": null, "big_denial_pct": 14.4, "penalty": null, "top_lenders": []}, {"msa": "10500", "name": "Albany, GA", "apps": 659, "denials": 159, "denial_rate_pct": 24.1, "small_denial_pct": 34.9, "big_denial_pct": 19.4, "penalty": 1.8, "top_lenders": []}, {"msa": "17020", "name": "Chico, CA", "apps": 658, "denials": 129, "denial_rate_pct": 19.6, "small_denial_pct": null, "big_denial_pct": 16.8, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 109, "denial_rate_pct": 20.2}]}, {"msa": "46540", "name": "Utica-Rome, NY", "apps": 656, "denials": 158, "denial_rate_pct": 24.1, "small_denial_pct": 32.0, "big_denial_pct": null, "penalty": null, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 126, "denial_rate_pct": 38.9}]}, {"msa": "40980", "name": "Saginaw, MI", "apps": 652, "denials": 155, "denial_rate_pct": 23.8, "small_denial_pct": 24.5, "big_denial_pct": null, "penalty": null, "top_lenders": []}, {"msa": "29020", "name": "Kokomo, IN", "apps": 646, "denials": 155, "denial_rate_pct": 24.0, "small_denial_pct": 33.3, "big_denial_pct": 10.8, "penalty": 3.08, "top_lenders": []}, {"msa": "22020", "name": "Fargo, ND-MN", "apps": 641, "denials": 101, "denial_rate_pct": 15.8, "small_denial_pct": null, "big_denial_pct": 12.5, "penalty": null, "top_lenders": []}, {"msa": "41140", "name": "St. Joseph, MO-KS", "apps": 639, "denials": 129, "denial_rate_pct": 20.2, "small_denial_pct": 22.8, "big_denial_pct": 15.4, "penalty": 1.48, "top_lenders": []}, {"msa": "10540", "name": "Albany, OR", "apps": 639, "denials": 89, "denial_rate_pct": 13.9, "small_denial_pct": null, "big_denial_pct": 10.9, "penalty": null, "top_lenders": []}, {"msa": "21500", "name": "Erie, PA", "apps": 638, "denials": 168, "denial_rate_pct": 26.3, "small_denial_pct": 30.6, "big_denial_pct": 24.8, "penalty": 1.23, "top_lenders": []}, {"msa": "46660", "name": "Valdosta, GA", "apps": 635, "denials": 148, "denial_rate_pct": 23.3, "small_denial_pct": 34.2, "big_denial_pct": 16.9, "penalty": 2.02, "top_lenders": []}, {"msa": "16540", "name": "Chambersburg-Waynesboro, PA", "apps": 633, "denials": 144, "denial_rate_pct": 22.7, "small_denial_pct": null, "big_denial_pct": 18.2, "penalty": null, "top_lenders": []}, {"msa": "12980", "name": "Battle Creek, MI", "apps": 632, "denials": 206, "denial_rate_pct": 32.6, "small_denial_pct": 42.1, "big_denial_pct": null, "penalty": null, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 107, "denial_rate_pct": 33.6}]}, {"msa": "39660", "name": "Rapid City, SD", "apps": 632, "denials": 100, "denial_rate_pct": 15.8, "small_denial_pct": null, "big_denial_pct": 12.4, "penalty": null, "top_lenders": [{"lei": "549300GKFNPRWNS0GF29", "name": "CMG MORTGAGE INC", "apps": 124, "denial_rate_pct": 2.4}]}, {"msa": "28020", "name": "Kalamazoo-Portage, MI", "apps": 629, "denials": 176, "denial_rate_pct": 28.0, "small_denial_pct": 39.4, "big_denial_pct": 20.7, "penalty": 1.9, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 107, "denial_rate_pct": 29.0}]}, {"msa": "41940", "name": "San Jose-Sunnyvale-Santa Clara, CA", "apps": 629, "denials": 184, "denial_rate_pct": 29.3, "small_denial_pct": null, "big_denial_pct": 27.6, "penalty": null, "top_lenders": []}, {"msa": "43420", "name": "Sierra Vista-Douglas, AZ", "apps": 623, "denials": 146, "denial_rate_pct": 23.4, "small_denial_pct": 42.4, "big_denial_pct": 16.5, "penalty": 2.57, "top_lenders": [{"lei": "549300VZVN841I2ILS84", "name": "CROSSCOUNTRY MORTGAGE, LLC", "apps": 108, "denial_rate_pct": 1.9}]}, {"msa": "44420", "name": "Staunton-Waynesboro, VA", "apps": 614, "denials": 111, "denial_rate_pct": 18.1, "small_denial_pct": null, "big_denial_pct": 13.9, "penalty": null, "top_lenders": []}, {"msa": "20260", "name": "Duluth, MN-WI", "apps": 613, "denials": 155, "denial_rate_pct": 25.3, "small_denial_pct": 31.7, "big_denial_pct": 19.1, "penalty": 1.66, "top_lenders": []}, {"msa": "24580", "name": "Green Bay, WI", "apps": 612, "denials": 132, "denial_rate_pct": 21.6, "small_denial_pct": null, "big_denial_pct": 15.2, "penalty": null, "top_lenders": []}, {"msa": "40660", "name": "Rome, GA", "apps": 611, "denials": 117, "denial_rate_pct": 19.1, "small_denial_pct": null, "big_denial_pct": 16.5, "penalty": null, "top_lenders": []}, {"msa": "12620", "name": "Bangor, ME", "apps": 609, "denials": 128, "denial_rate_pct": 21.0, "small_denial_pct": 41.8, "big_denial_pct": 16.1, "penalty": 2.6, "top_lenders": []}, {"msa": "39540", "name": "Racine, WI", "apps": 609, "denials": 167, "denial_rate_pct": 27.4, "small_denial_pct": null, "big_denial_pct": 19.9, "penalty": null, "top_lenders": []}, {"msa": "10780", "name": "Alexandria, LA", "apps": 608, "denials": 145, "denial_rate_pct": 23.8, "small_denial_pct": 35.7, "big_denial_pct": 19.6, "penalty": 1.82, "top_lenders": []}, {"msa": "31540", "name": "Madison, WI", "apps": 604, "denials": 153, "denial_rate_pct": 25.3, "small_denial_pct": null, "big_denial_pct": 20.2, "penalty": null, "top_lenders": []}, {"msa": "24140", "name": "Goldsboro, NC", "apps": 603, "denials": 135, "denial_rate_pct": 22.4, "small_denial_pct": 44.6, "big_denial_pct": 13.8, "penalty": 3.23, "top_lenders": []}, {"msa": "16940", "name": "Cheyenne, WY", "apps": 600, "denials": 83, "denial_rate_pct": 13.8, "small_denial_pct": null, "big_denial_pct": 12.7, "penalty": null, "top_lenders": [{"lei": "549300MGPZBLQDIL7538", "name": "FAIRWAY INDEPENDENT MORT CORP", "apps": 118, "denial_rate_pct": 8.5}]}, {"msa": "30340", "name": "Lewiston-Auburn, ME", "apps": 599, "denials": 123, "denial_rate_pct": 20.5, "small_denial_pct": null, "big_denial_pct": 14.1, "penalty": null, "top_lenders": []}, {"msa": "16220", "name": "Casper, WY", "apps": 597, "denials": 79, "denial_rate_pct": 13.2, "small_denial_pct": null, "big_denial_pct": 9.2, "penalty": null, "top_lenders": [{"lei": "549300AQ3T62GXDU7D76", "name": "GUILD MORTGAGE COMPANY", "apps": 116, "denial_rate_pct": 6.9}]}, {"msa": "21060", "name": "Elizabethtown-Fort Knox, KY", "apps": 587, "denials": 121, "denial_rate_pct": 20.6, "small_denial_pct": null, "big_denial_pct": 14.6, "penalty": null, "top_lenders": []}, {"msa": "17860", "name": "Columbia, MO", "apps": 581, "denials": 125, "denial_rate_pct": 21.5, "small_denial_pct": null, "big_denial_pct": 19.5, "penalty": null, "top_lenders": [{"lei": "549300LXKO1O7CSK5J52", "name": "FLAT BRANCH MORTGAGE, INC.", "apps": 101, "denial_rate_pct": 0.0}]}, {"msa": "23460", "name": "Gadsden, AL", "apps": 581, "denials": 117, "denial_rate_pct": 20.1, "small_denial_pct": 32.0, "big_denial_pct": 12.9, "penalty": 2.48, "top_lenders": []}, {"msa": "41500", "name": "Salinas, CA", "apps": 577, "denials": 111, "denial_rate_pct": 19.2, "small_denial_pct": null, "big_denial_pct": 18.4, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 124, "denial_rate_pct": 13.7}]}, {"msa": "42200", "name": "Santa Maria-Santa Barbara, CA", "apps": 571, "denials": 114, "denial_rate_pct": 20.0, "small_denial_pct": null, "big_denial_pct": 18.6, "penalty": null, "top_lenders": [{"lei": "549300HW662MN1WU8550", "name": "United Wholesale Mortgage", "apps": 149, "denial_rate_pct": 20.1}]}, {"msa": "46520", "name": "Urban Honolulu, HI", "apps": 571, "denials": 206, "denial_rate_pct": 36.1, "small_denial_pct": null, "big_denial_pct": 33.9, "penalty": null, "top_lenders": []}, {"msa": "17660", "name": "Coeur d'Alene, ID", "apps": 568, "denials": 80, "denial_rate_pct": 14.1, "small_denial_pct": null, "big_denial_pct": 12.5, "penalty": null, "top_lenders": []}, {"msa": "27620", "name": "Jefferson City, MO", "apps": 557, "denials": 113, "denial_rate_pct": 20.3, "small_denial_pct": 35.2, "big_denial_pct": 14.4, "penalty": 2.44, "top_lenders": [{"lei": "549300LXKO1O7CSK5J52", "name": "FLAT BRANCH MORTGAGE, INC.", "apps": 127, "denial_rate_pct": 2.4}]}, {"msa": "15260", "name": "Brunswick, GA", "apps": 557, "denials": 121, "denial_rate_pct": 21.7, "small_denial_pct": null, "big_denial_pct": 17.7, "penalty": null, "top_lenders": [{"lei": "549300FGXN1K3HLB1R50", "name": "ROCKET MORTGAGE", "apps": 110, "denial_rate_pct": 14.5}]}, {"msa": "48680", "name": "Wildwood-The Villages, FL", "apps": 550, "denials": 145, "denial_rate_pct": 26.4, "small_denial_pct": null, "big_denial_pct": 24.0, "penalty": null, "top_lenders": []}, {"msa": "41060", "name": "St. Cloud, MN", "apps": 547, "denials": 106, "denial_rate_pct": 19.4, "small_denial_pct": null, "big_denial_pct": 13.3, "penalty": null, "top_lenders": []}, {"msa": "41660", "name": "San Angelo, TX", "apps": 545, "denials": 35, "denial_rate_pct": 6.4, "small_denial_pct": null, "big_denial_pct": 8.0, "penalty": null, "top_lenders": []}, {"msa": "42220", "name": "Santa Rosa, CA", "apps": 534, "denials": 105, "denial_rate_pct": 19.7, "small_denial_pct": null, "big_denial_pct": 18.7, "penalty": null, "top_lenders": []}, {"msa": "36980", "name": "Owensboro, KY", "apps": 530, "denials": 101, "denial_rate_pct": 19.1, "small_denial_pct": 30.2, "big_denial_pct": 15.2, "penalty": 1.99, "top_lenders": []}, {"msa": "34620", "name": "Muncie, IN", "apps": 524, "denials": 112, "denial_rate_pct": 21.4, "small_denial_pct": 27.5, "big_denial_pct": null, "penalty": null, "top_lenders": []}, {"msa": "33140", "name": "Michigan City-La Porte, IN", "apps": 517, "denials": 121, "denial_rate_pct": 23.4, "small_denial_pct": 39.0, "big_denial_pct": 15.2, "penalty": 2.57, "top_lenders": []}, {"msa": "27500", "name": "Janesville-Beloit, WI", "apps": 515, "denials": 110, "denial_rate_pct": 21.4, "small_denial_pct": null, "big_denial_pct": 15.1, "penalty": null, "top_lenders": []}, {"msa": "30860", "name": "Logan, UT-ID", "apps": 512, "denials": 66, "denial_rate_pct": 12.9, "small_denial_pct": null, "big_denial_pct": 10.6, "penalty": null, "top_lenders": []}, {"msa": "31900", "name": "Mansfield, OH", "apps": 512, "denials": 109, "denial_rate_pct": 21.3, "small_denial_pct": 25.4, "big_denial_pct": null, "penalty": null, "top_lenders": []}, {"msa": "13980", "name": "Blacksburg-Christiansburg-Radford, VA", "apps": 510, "denials": 103, "denial_rate_pct": 20.2, "small_denial_pct": 29.8, "big_denial_pct": 20.6, "penalty": 1.45, "top_lenders": []}, {"msa": "38660", "name": "Ponce, PR", "apps": 500, "denials": 92, "denial_rate_pct": 18.4, "small_denial_pct": 17.0, "big_denial_pct": null, "penalty": null, "top_lenders": []}], "provenance": {"publisher": "FinanceRateCalc", "license": "CC BY 4.0", "doi": "10.5281/zenodo.21575106", "correction": "2026-07-26: reverse mortgage (HECM) records excluded following independent methodology review"}}